Welcome back to Replace Your Paycheck! In our journey to calculate and build the income stream you need for retirement, we've discussed replacing your paycheck and two of the three essential accounts you should have. This week, the third crucial component: the Personal or Joint Savings Account (also known as an Individual Account). Robert explains why this least-regulated IRS account is critical for supplemental income, offers unparalleled withdrawal flexibility, and, most importantly, provides a tax-efficient foundation by being taxed at the lower capital gains rate—a vital strategy for minimizing your income tax liability in retirement.Thanks for listening.