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Most people focus on growing their retirement savings… but very few think about how those savings will be taxed later.
In this video, we break down a powerful concept from Divorce the IRS called the “Ideal Number” — a strategic way to think about how much you may want in pre-tax accounts like 401(k)s and IRAs by the time you retire.
You’ll learn how the standard deduction, withdrawal strategies, and account types can impact your long-term tax picture — and why “more” isn’t always better when it comes to tax-deferred savings.
This is not about eliminating taxes entirely — it’s about understanding how to make your retirement income more tax-efficient and avoid common planning mistakes.
If you want to better understand how your accounts work together in retirement, this is a must-watch.
Chapters
0:00 – The costly mistake most retirees make
0:45 – Why taxes matter more than you think in retirement
1:30 – What is the “Ideal Number”?
2:20 – How pre-tax accounts are taxed
3:15 – Understanding the standard deduction
4:10 – How tax-efficient withdrawals work
5:05 – The impact of RMDs, Social Security, and IRMAA
6:10 – Example: calculating a target number
7:15 – Common mistakes to avoid
8:10 – How to start planning smarter
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