Divorce the IRS

Welcome to Divorce the IRS, the Retirement Income Planning Podcast—built for people who want to pay the least amount of taxes possible and create retirement income that actually lasts. Inspired by Jimmy Miller’s bestselling book Divorce the IRS, this show takes you behind the scenes of the tax rules, retirement strategies, and planning decisions that can quietly determine how much of your money you keep.


The truth is, taxes aren’t just “something you deal with later.” The U.S. tax code is massive, confusing by design, and full of traps that can hit hardest right when you need your money most. From 401(k)s and IRAs to Social Security and Medicare, many common “smart moves” can turn into expensive surprises—like required minimum distributions, Medicare surcharges, the widow’s penalty, and other retirement tax time bombs most people don’t see coming until it’s too late.

With more than 20 years of experience as a global wealth manager, Jimmy breaks these topics down in a clear, practical way—so you can plan proactively, avoid unnecessary taxes, and build a retirement where your delayed gratification finally pays off. Subscribe so you never miss an episode, and remember: this podcast is for general education only and isn’t legal, tax, or investment advice—always consult a qualified professional for guidance specific to your situation.

Teaser

In this introductory episode of The Divorce the IRS Podcast, financial planner, author, and speaker Jimmy Miller lays the groundwork for a different way of thinking about retirement, taxes, and wealth. Inspired by his bestselling book Divorce the IRS, Jimmy explains why so many well-intentioned retirement savers unknowingly walk straight into tax traps—and how better planning can change the outcome.

Introduction

Jimmy Miller shares the purpose behind The Divorce the IRS Podcast: helping everyday Americans spot the “tax time bombs” that can blow up retirement income and build a long-term strategy to keep more of what they’ve earned. Inspired by his bestselling book Divorce, the IRS (2nd edition), he previews upcoming chapter-based episodes, timely tax law updates, and interviews designed to give you practical ideas for reducing taxes and creating a retirement income plan that lasts.

Why Taxes Matter More Than You Think (And What This Podcast Will Teach You)

In this episode, Jimmy Miller explains why taxes quietly derail wealth creation for so many Americans and how failing to plan often costs far more than people realize. He breaks down why tax refunds aren’t “free money,” how the IRS captures a larger share of lifetime wealth through hidden rules and misconceptions, and why forward-thinking retirement planning must look beyond this year or the next. Jimmy also outlines what’s ahead on the podcast, including common tax time bombs, major myths around deductions and tax-deferred accounts, and practical strategies designed to help you keep more of what you earn and build long-term financial confidence.

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