Mark Livingstone

Mark Livingstone, an investor and data analyst, dives into how taxes in retirement are less daunting than most people believe. He reveals insights from his free tax spreadsheet that predict retirement tax burdens. The discussion highlights the differences between marginal and effective tax rates, showing that early retirees often pay less tax today than in previous decades. Mark also shares strategies to optimize withdrawal methods and explains the four income ‘levers’ for tax-friendly financial planning in the FIRE journey.