Tax talk without the snooze-fest! This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. 'Catching Up to FI' co-host and author of 'F.I.R.E for Dummies' Jackie Cummings Koski, CFP®, AFC®, turns this insightful discussion into a masterclass on trimming Uncle Sam's tab at every phase of retirement. Jackie rewinds to her own FIRE (Financial Independence, Retire Early) journey: the divorce-day "401(k) gap" that lit her savings rocket, supersizing her HSA past $200,000, and hitting FI at 49 with a 40% savings rate. Expect plain-English breakdowns, plenty of 'there are no dumb questions' crowd chat, and Jackie's trademark mix of CFP level and girlfriend realness. Topics for the series include:

• Age-band tax checklist (pre-55, 55-65, 65-75, 75+)
• Separating "macro" worry (markets, policy) from micro action (what you control)
• Early withdrawal strategies (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect)
• Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types)
• Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect)

This is part one of a two-part series and the second part will be aired next Wednesday (6/18/25). This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck.

Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

🌐 Visit Catching Up to FI website

🔗Connect with us

📩 Sign up for our newsletter

☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"

🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question

===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS===

🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup

📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup

Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only

Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)

For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners

RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)

WE Wealth Collective (Facebook Group)

WE Wealth Collective is a group dedicated to empowering women to take control of their finances, cultivate abundance in every aspect of life, and live boldly on their own terms.

🌐JackieCummingsKoski.com

📕F.I.R.E. For Dummies

📘Money Letters 2 My Daughter

Jackie's EconoMe Talk

Sarah Catherine "SC" Gutierrez

Sarah Catherine "SC" Gutierrez talk at EconoMe

Official IRS Tax Code & Publications

📗But First, Save 10

Official IRS Tax Code & Publications

Healthcare.gov – ACA Enrollment & Subsidy Calculator

72tCalc.com

Dinkytown.net

⏰ 'Catching Up to FI' Episodes

Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98

Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios, Listener Questions | Jeff York | 99

72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131

Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133

Social Security Made Simple | Mike Piper | 054

Life & Taxes | Sean Mullaney | 013

Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121

If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!

⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.