David McKnight, author of The Power of Zero, explains how to protect your retirement from rising taxes by strategically shifting to tax-free income sources.

Guest bio: David McKnight is a bestselling author and financial advisor known for The Power of Zero and Tax-Free Income for Life. His work focuses on helping Americans avoid the financial pitfalls of rising taxes in retirement by transitioning from tax-deferred to tax-free accounts. His book has been adapted into a documentary, and he trains advisors nationwide in tax-efficient retirement strategies.

Topics discussed:

• Why tax-deferred accounts (401(k), IRA) may be a trap
• The concept of the 0% tax bracket and how to reach it
• Roth IRAs, Roth 401(k)s, and Roth conversions
• Indexed Universal Life (IUL) policies and annuities
• Social Security taxation and provisional income
• Retirement mistakes, tax planning, and longevity risk
• Puerto Rico Act 60 and global retirement strategies
• Critiques of financial influencers like Dave Ramsey

3 best quotes:

• “Going into a 401(k) is like going into business with the IRS—every year they get to vote on what percentage of your profits they keep.”
• “Two times zero is still zero—that’s why the 0% tax bracket is the safest place to be in a rising tax environment.”
• “You can’t plan for retirement if you don’t know how much of your money is really yours.”

🎙 The Pod is hosted by Jesse Wright
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