How much do taxes really matter in retirement? A lot. In this episode, Kamie Blair and Dan Langworthy explain how marginal tax brackets work, why “only the dollars above the line” jump into the next bracket, and practical ways to stay flexible with pre-tax, after-tax, and Roth buckets. We also cover Roth conversions (even in your 70s), the difference between tax prep and tax strategy, and a real client story showing how tax-free dollars kept a couple in a lower bracket when buying big-ticket items.You’ll learn:When to start tax planning (earlier than you think)How multiple income sources affect bracket creepWhy “it depends” is the right Roth answerTax prep vs. proactive tax strategyUsing Roth conversions and after-tax money for flexibility👉 Subscribe for weekly episodes that help you retire and thrive with purpose, wealth, and confidence.Timecodes00:00 Taxes matter more than you think00:06 When should planning start?00:11 Kamie asks for basic tax advice00:14 Three buckets: pre-tax, after-tax, Roth02:29 Do taxes really impact retirement?03:38 Start early—but it depends on your income mix05:24 A high-income doc: Roth vs. current deduction07:25 Can the average person monitor brackets?08:39 Tax prep vs. tax strategy12:05 How tax planning improves the quality of retirement14:08 Roth conversions—even in your 70s15:50 Client story: buying a boat/ATV without jumping brackets20:09 One takeaway: be proactive mid-year21:03 Wrap + disclaimer#retireandthrive #retirementplanning #taxstrategy #rothira #financialwellness #KamieBlair #DanLangworthy

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