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We turn tax complexity into action: marginal vs. effective rates, bucket logic, IRMAA and the widow(er)'s penalty, inherited IRA rules, and when Roth conversions actually make sense. Plus, asset location (Roth/traditional/taxable) and the early-retirement access rules most people get wrong.
By The Personal Finance ProjectWe turn tax complexity into action: marginal vs. effective rates, bucket logic, IRMAA and the widow(er)'s penalty, inherited IRA rules, and when Roth conversions actually make sense. Plus, asset location (Roth/traditional/taxable) and the early-retirement access rules most people get wrong.