How to Get to the 0% Tax Bracket in Retirement

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I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

[@billh4285]

It would be nice if you would show examples for single people in your videos as well as married. A lot of people in retirement are single due to divorce and death of a spouse.

[@LobosBuddy]

Thank you for all you do.

[@vinceordonez5878]

Hi Dalen- thanks for sharing your videos.

[@yvettel.5981]

Thank you for sharing all that valuable information.

[@AGoddess18]

Thank you for presenting this information in such an easy to understand manner.

[@Grigsy]

yeah, I'm ok with paying taxes. taxes fund our society (including our government- previous employer). I don't want to pay more than I need to , but I'm not going to live in poverty to avoid paying taxes. I'd rather enjoy retirement and pay the taxes as oppose to being miserable and just saving it for the grave or if i'm 90 and can't do anything.

[@xochitldiaz695]

I love your videos they are very informative. I still have a million years to retire, but it’s never too early to learn how to maximize retirement benefits.

[@lindad6223]

Retiring soon... and next year, one last big Roth conversion, leaving enough for QCDs down the road (after all, if I end up needing it, I'll have it). After that, I'll not be in the zero, but I also won't have the SS Tax Torpedo.

[@Joelo_629]

Any idea when we can move the govt match and have it contribute into our Roth instead of the traditional?

[@yourmanzach2307]

cant.

[@bleebu5448]

So if I do a little math and limit my TSP withdraws to keep myself within the 12% tax bracket, I can just back-door them into a roth for later?

[@michaelgarrett2832]

Hello I just wanted to know wear can get a retirement application or blue book I am ready to retire from the Postal Service after 38 years and Thank you for your assistance.

[@pennguino9137]

I plan on doing the traditional roll over to roth once I retire next year. Between FERS, FERS supplement, I hope to be able to roll over about 60K a year. I know I will need to dip into TSP about 10-15K a year until SS kicks in at age 62. Half will be traditional and half will be Roth. Maybe find a dozen or so high yield dividend stocks and supplement my income with Roth Dividends. Fidelity SPAXX is averaging about 4% return. G Fund is about 3.6%. Both of these will change as the interest rates fluctuate.

[@mickeydrago9401]

G is making over 4%

[@pennguino9137]

@@mickeydrago9401 You are correct. Thank you.

[@rjmurray5128]

Nice! Being in a volatile market, just started putting more into the G fund and my outside investments are in a Fidelity Roth IRA portfolio, just started up a SPAXX for the cash only side and looking forward to that risk-free 4.22% (as of today)

[@pennguino9137]

@@rjmurray5128 I also started doing 30, 60 day tbills in Fidelity as well as 13 week Tbill. I am keeping cash liquid to be able to pounce on a value stock or 2. As Dallon mentioned, I need to keep about 6+ months of cash on hand to cover me while OPM calculates my future.

[@allaboutmyart5706]

I rode out the pandemic storm, sticking with C and S funds, but the yo-yo small gains/losses to claw back to my all-time highs hurt. Now, though, I'm suddenly getting all gains (a fat one five days ago, smaller ones, then a pretty good one...). I'm VERY glad I hung on and am hoping I'm back on track for much bigger gains, since I really want to feel good about retiring🤞

[@gerrysrcercado]

I am 62 years and had been a federal employee for more than 25 years and viserektor still employed. I have less than 500 thousand in my FERS and about half of that in ROTH. My question is, No 1)can i withdraw about 20 thousand from my ROTH at this time and 2) will i pay taxes on that. Thank you.

[@g2u499]

I retired Dec 2020 and still has my TSP i wonder how can I convert the acct to Roth and how much interest will i have to pay. Also i would like to know if my husband and I get your service to help us with our finances(He still working for DOD and has his own TSP) how can we contact your office? Thanks

[@MichaelHarvey-lh3cd]

Question? Can a single can I get a Lump sum from the FERS pension to leave a legacy for my kids?

[@yourmanzach2307]

the standard deduction should be 35k now

[@eandrgoodwin]

You didn’t mention “qualified dividends” and how those are taxed.

[@johnkatzandlisadipko6508]

does it make sense to pay the taxes on a Roth conversion from the TSP balance, or from other savings?

[@scottgold1054]

Yes if you are going to live to be a 100

[@ThisFriggenGuy-li5ui]

I’m just gonna max Roth tsp and Roth IRA then the rest on the brokerage

[@SilverLining650]

Can I convert my traditional TSP to a ROTH TSP?

[@kadananthony]

No

[@tgunnarson1]

YES - but you need to roll your traditional TSP account to a Traditional IRA account (at retirement) Then convert account to Roth funds. Cannot perform the ROTH conversion while still in TSP.

[@SilverLining650]

@@tgunnarson1 Thank you

[@lisandracolon1132]

Could you please explain single person with no roth investment ready to retire nurse NY income

[@lisandracolon1132]

How much taxes to be deducted from my TSP I'm 58 32 years retiring soon

[@lisandracolon1132]

Do you have offices in Bronx or Manhattan,?

[@mickeydrago9401]

Keep your income down to this level, $13,850 That's the standard deduction. 0% federal taxes

[@ChrisWilliams5605LS]

Pretty much impossible to do for anyone with a pension or SS.

[@mickeydrago9401]

@@ChrisWilliams5605LS Of course. I'm mainly just making fun of his clickbait bull crap 0% video title. BUT YOU CAN STILL DO IT! Live in somebody's garage, Ride a bicycle everywhere, learn all the free food spots and soup kitchens and churches and food banks... Forget about health insurance... Pay your $125 per month for the left quarter of that garage... Clip coupons... Mint mobile, with last year's phone all the time or earlier... Beg on the streets. Tap into the underground cash economy Steal... And then you can probably make it on a little over a thousand per month