Oct 5, 2026 · 42 min · 13 segments
A financial decision can make perfect sense on its own and still create an unexpected consequence somewhere else. This week, Jeremiah and Nic look at that tax domino effect through situations they're…
I mean, I was just having a conversation this week with, uh, th- some clients that are in their mid-30s, but their goal is to have the option to retire at 50 if possible.
Now fortunately for this couple, uh, they've got, they've got great income between the two of them.
Uh, they're doing a very, very good job of remaining debt-free, and that's, that's one of the big conversation pieces that we have as we're reviewing kind of their more n- near-term goals, Jeremiah.
But the point is this, you know, when we're, when we're, we're working backwards into, like, the nest egg number that they need to have by the age of 50 if they want to be able to retire early, not tap into retirement accounts via Rule 72t-
... right? If they just want a, a non-qualified nest egg that's going to give them kind of their annual spending rate, I said there's a, there's a couple ways that you can look at it kind of depending upon, you know, what you choose.
We either have a nest egg that creates sustainable income on its own that you're not tapping into principal at age 50.
Or if you're willing to do a strategic spend down between, let's just say between 50 and 60, the nest egg doesn't need to be so big.
You just have to be comfortable seeing that account value year over year being depleted, but knowing that we still have growth in the qualified accounts, and then we tap into that, and you, you keep on truckin'.
But you could see even right now, you know, mid-30s, wanting to be savers, wanting to be investors, wanting to see, uh, you know, wanting to see the December 31st account value being significantly higher than a January 1st account value.
You could see that emotionally impacting them, saying like, "Man, I don't know that I'm comfortable seeing that number go down," even though mathematically they understand other assets are growing.
I mean, we're talking about either saving or, and investing X amount of dollars per year between now and age 50 or 2X amount of dollars between now and age 50, but those come with their trade-offs.
But, you know, it's, just to your point, the emotional impact that money has, whether you have it or don't, it's a huge force in that push-pull with the decision-making process that we see our clients making all the time.
I mean, I was just having a conversation this week with, uh, th- some clients that are in their mid-30s, but their goal is to have the option to retire at 50 if possible.
Now fortunately for this couple, uh, they've got, they've got great income between the two of them.
Uh, they're doing a very, very good job of remaining debt-free, and that's, that's one of the big conversation pieces that we have as we're reviewing kind of their more n- near-term goals, Jeremiah.
But the point is this, you know, when we're, when we're, we're working backwards into, like, the nest egg number that they need to have by the age of 50 if they want to be able to retire early, not tap into retirement accounts via Rule 72t-
... right? If they just want a, a non-qualified nest egg that's going to give them kind of their annual spending rate, I said there's a, there's a couple ways that you can look at it kind of depending upon, you know, what you choose.
We either have a nest egg that creates sustainable income on its own that you're not tapping into principal at age 50.
Or if you're willing to do a strategic spend down between, let's just say between 50 and 60, the nest egg doesn't need to be so big.
You just have to be comfortable seeing that account value year over year being depleted, but knowing that we still have growth in the qualified accounts, and then we tap into that, and you, you keep on truckin'.
But you could see even right now, you know, mid-30s, wanting to be savers, wanting to be investors, wanting to see, uh, you know, wanting to see the December 31st account value being significantly higher than a January 1st account value.
You could see that emotionally impacting them, saying like, "Man, I don't know that I'm comfortable seeing that number go down," even though mathematically they understand other assets are growing.
I mean, we're talking about either saving or, and investing X amount of dollars per year between now and age 50 or 2X amount of dollars between now and age 50, but those come with their trade-offs.
But, you know, it's, just to your point, the emotional impact that money has, whether you have it or don't, it's a huge force in that push-pull with the decision-making process that we see our clients making all the time.
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