{"id":295,"date":"2025-10-26T16:20:00","date_gmt":"2025-10-26T19:20:00","guid":{"rendered":"https:\/\/finances.blog-facil.com\/retirement-planning\/?p=295"},"modified":"2025-10-26T16:20:00","modified_gmt":"2025-10-26T19:20:00","slug":"what-should-i-withdraw-first-in-retirement","status":"publish","type":"post","link":"https:\/\/finances.blog-facil.com\/retirement-planning\/what-should-i-withdraw-first-in-retirement\/","title":{"rendered":"What should I withdraw first in retirement?"},"content":{"rendered":"

What should I withdraw first in retirement?<\/strong><\/p>\n

Deciding what to withdraw first in retirement is crucial for maximizing financial longevity. Generally, it\u2019s advisable to tap into taxable accounts first, as these funds do not have tax-advantaged growth, which allows tax-deferred accounts (like IRAs and 401(k)s) to continue growing. After exhausting taxable accounts, consider withdrawing from tax-deferred accounts to manage your taxable income efficiently, particularly if you anticipate being in a lower tax bracket in retirement. Lastly, reserve Roth IRAs for later withdrawals since they are tax-free, providing a strategic cushion against unexpected expenses and helping to minimize required minimum distributions (RMDs) in later years.<\/p>\n

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