Retire at 50..Without Paying a Dime in Penalties or Taxes
The Personal Finance Podcast
Roth Conversion Ladder: Create a Five-Year Tax-Free Pipeline
Andrew outlines converting traditional accounts to Roth, the five‑year rule, tax timing, and staggered conversions to build tax‑free income.
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In this episode of The Personal Finance Podcast, Andrew breaks down the five powerful strategies that let you retire at 50 without losing money to penalties or surprise taxes—from building a taxable brokerage account that serves as your early retirement bridge, to unlocking a Roth IRA conversion ladder that creates tax-free income, using the Rule of 55 to access your 401(k) years earlier than you thought possible, turning your IRA into a steady paycheck with the 72(t) rule, and leveraging Roth contributions plus HSA strategies as your secret backup plans, showing you exactly how to layer these accounts together so you can retire on your terms, penalty-free, tax-efficient, and without waiting until 59½.
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