Stanley discusses yet another unconscious, unspoken choice available to you: Would you rather retire at two-thirds of your income? Or, would you rather retire at two-thirds of your tax bracket? This thought process has a larger impact than traditional retirement planning that focuses on “retiring at two-thirds of your income to be in a lower tax bracket”. Why? Because traditional planning eliminates key tools to make a lower tax bracket dream a reality. This subtle change has a huge impact on your quality of life during retirement.