Mastering Withdrawal Sequencing - Making Savings Last

In this episode of Escape The Clock, I break down one of the most critical and often confusing aspects of financial independence: the withdrawal strategy. When you're no longer receiving a paycheck, knowing which accounts to draw from and when can make or break your financial plan.

I’ll walk you through a smart, tax-efficient sequence of withdrawals that can extend your savings and give you peace of mind. From tapping brokerage accounts and using Roth ladders, to understanding Required Minimum Distributions (RMDs) and when to take Social Security.

Whether you're already retired or just planning your escape, this episode gives you a simple, powerful framework for stretching the money you saved, when you most need it.

Key Talking Points:

• Paying yourself is the new paycheck – Once you’ve escaped the clock, your accounts must replace your income. Learn how to build a plan to do just that.
• The order matters – Understand which accounts to draw from first — and why traditional, Roth, and taxable accounts play different roles.
• Taxes don’t stop when you retire – Learn how to manage tax brackets, capital gains, and RMDs for a tax-smart withdrawal plan.
• Sequence of returns risk – Find out why the early years of withdrawal are so important — and how to avoid the common mistakes that ruin a good plan.
• Real examples, real numbers – We walk through scenarios to show how $4K/month in passive income can be supported by dividend stocks, CDs, and savings drawdowns.
• Withdrawing securely – Having a Savings Shield to protect overwithdrawing in the tough years.

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Important Disclaimer: This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.