How to Save $50,000 in Taxes by Moving Your Investments to the Right Accounts

Dec 29, 2025

Explore the art of account placement strategy to maximize your investment returns and save on taxes. Discover the distinct functions of tax-deferred, tax-free, and taxable brokerage accounts. Uncover how to position tax-inefficient assets in advantageous accounts. Delve into examples that demonstrate real-world tax savings and the psychology behind investment decisions during market volatility. Learn tailored strategies for different age groups, ensuring your financial future aligns with your personal goals.

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INSIGHT

Location Matters More Than Investment Choice

Taxes, access, volatility, and time horizon determine where investments should live more than the security selection itself.
Poor account placement can cost tens of thousands over a lifetime by creating avoidable tax bills.

ADVICE

Shelter Tax-Inefficient Assets

Put tax-inefficient investments into tax-advantaged accounts like 401(k)s or IRAs to avoid ordinary income taxation on interest and dividends.
Use Roths for tax-free growth when you expect higher future tax rates or want no RMDs.

ADVICE

Keep Interest And Dividends Sheltered

Place bonds, REITs, high-dividend stocks, and actively managed funds in tax-advantaged accounts to avoid high ordinary-income taxes.
Avoid holding these in taxable accounts unless you need the income or they are municipal bonds.

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Most people spend a lot of time obsessing over what to invest in.

Very few people think seriously about where those investments should live — and that mistake can cost you tens of thousands of dollars over a lifetime.

In this episode, Tyler breaks down account placement strategy — the unglamorous, aggressively unsexy topic that quietly determines how much of your money you actually get to keep. Because just like real estate, with investing it’s all about location, location, location.

This isn’t about finding the perfect fund.
It’s about putting the right investments in the right accounts.

In this episode, Tyler covers:

The three main types of investment accounts — tax-deferred, tax-free, and taxable — and what each one is actually for
Why taxes matter more than most people realize, and how bad account placement creates avoidable tax bills
Which investments belong in retirement accounts (and which absolutely don’t)
How access and liquidity should shape where your money lives, especially if you want flexibility before retirement
Why volatility feels different depending on the account, and how to use that to your psychological advantage
Real-world examples showing how small placement changes can save real money over time

Along the way, Tyler explains why “max everything and figure it out later” isn’t always smart, how over-locking money can quietly limit your life choices, and why the goal isn’t tax perfection — it’s alignment.

Alignment between your accounts, your investments, your time horizon, and the life you actually want to live.

This episode isn’t about optimizing every dollar with spreadsheets and IRS tables.
It’s about not making preventable mistakes.

Put tax-inefficient investments where they’re protected.
Put volatile investments where you’re less likely to panic.
Put short-term money where you can actually reach it.

And stop throwing money into random accounts and hoping it works out.

If this episode helped something click — or made you realize you might want to move a few things around — leaving a quick review on Apple Podcasts or Spotify genuinely helps. It helps other people find the show and keeps this whole project going.

As always, the goal isn’t perfection.
It’s getting one step closer to alignment.

Hope this gives you something to think about this week.