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Saving for retirement is only half the battle, but the real challenge is turning those savings into income you can actually spend. The type of accounts you use will impact your taxes, your Social Security, and even your Medicare premiums. In this episode, Scott explains how spreading money across different account types can give retirees more control, more flexibility, and less tax stress.

Here’s what we cover in this episode:

📊 How diversified buckets reduce taxes and create options

📉 Every dollar taken out can trigger ripple effects

🏥 HSAs and the triple-tax advantage

💰Pre-tax vs Roth: taxed later or tax-free

🚨 91% of retiree savings sit in pre-tax accounts—and why that’s risky

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