Jill on Money with Jill Schlesinger At an Inflection Point, Seeking Guidance
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Aug 19, 2025 Navigating career changes and financial decisions takes center stage. The hosts dissect the implications of unused vacation payouts and retirement strategies. They delve into the risks associated with Continuing Care Retirement Communities and share stories about exit strategies. A highlight includes an inspiring listener's success story, emphasizing the value of communication in care planning. Plus, there's insightful advice for anyone contemplating a sabbatical or evaluating in-home care options.
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Use Pre-Tax Plans When Your Future Bracket Falls
- If your tax bracket will fall, consider rolling a payout into a pre-tax plan to withdraw later at lower tax rates.
- Prefer pre-tax retirement holdover to costly loans when you can wait for a lower bracket.
Shelter Current Income In Retirement Accounts
- Put investments that generate current taxable income inside tax-advantaged accounts to avoid yearly tax drag.
- Do not place assets into retirement accounts merely to "slow growth"; prioritize tax efficiency and diversification.
Pension Income Changes Risk Profile
- A spouse's pension and consulting income materially reduce the financial risk of a career break.
- That steady income lets you consider shorter breaks without jeopardizing long-term finances.
