Retirement
The multi-decade problem of not running out.
Retirement is the multi-decade problem of not running out. This course teaches the tax-advantaged account architecture, the withdrawal-rate literature, and the Social Security claiming decision most households get wrong.
You will finish with a written account order and a rehearsed drawdown plan.
- 01
Distinguish 401(k), IRA, Roth, and HSA.
- 02
Model a retirement drawdown.
- 03
Design a Social Security claiming strategy.
- — 109 — Taxes.
- — 201 — Investing Foundations.
2 weeks · ~5 hours.
- IModule · ~2 hours.
The tax-advantaged accounts
Where to save, and in what order.
The account order — match, HSA, Roth, taxable — is stable across most households. Deviations require written cause.
What You Will Be Able To Do- — State the default account order.
- — Choose Roth vs. Traditional defensibly.
- — Fund an HSA and understand it as a retirement account.
Why hereThe account order compounds for decades. The wrong order is expensive.
- IIModule · ~1.5 hours.
The withdrawal problem
How to spend from a portfolio for thirty years.
Spending a portfolio for thirty years is a harder problem than accumulating one. This module names it.
What You Will Be Able To Do- — State the 4% rule and its assumptions.
- — Explain sequence-of-returns risk.
- — Model Roth conversions in early retirement.
Why hereWithdrawal is where accumulation-era intuitions fail.
The account order is the compounding decision. The claiming decision is the terminal one. Get both right once.