If you want to retire before 65, the challenge isn’t just saving enough—it’s accessing your money efficiently while managing taxes and healthcare.
This page walks you through the three key phases of a successful early retirement: building your foundation, crossing the bridge, and navigating healthcare. If you’re new here, I’d recommend reading these posts first.
Step 1 Build a Tax-Efficient Foundation
Before you cross the bridge, you need to build wealth in the right accounts.
How to choose accounts and strategies to grow your wealth with minimal taxes.
Why having the right mix of account types gives you flexibility later.
(Coming soon)
(Coming soon)
Step 2 Cross the Bridge (Withdrawals)
This is where most early retirement plans succeed—or fail.
All the main strategies for accessing retirement funds early.
Use low-income years to reduce lifetime taxes.
Understand how taxes impact your withdrawal strategy.
(Coming soon)
What conversions are, how they work, and why they matter.
Step 3 Navigate Healthcare
Healthcare is one of the biggest risks—and opportunities—in early retirement.
A practical breakdown of your coverage options.
HSAs: If You Know, You Know (Part I & Part II) Why HSAs are one of the most powerful tools in early retirement.
Includes real examples with Affordable Care Act pricing as you age.
(Coming soon)