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Explore This Is Why Your Retirement Taxes May Shock You with 146,551 views, 2,942 likes, and 224 comments. Experience the impact of this video content that has captured audience attention.

Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erin In this video, we’re breaking down one of the biggest misconceptions in personal finance: your tax bracket does not determine your actual tax bill. Using four real-world examples, you’ll see how two people with the exact same $150,000 annual income can end up paying nearly $20,000 more in taxes simply because of where their income comes from and what stage of life they are in. We’ll compare a W-2 employee, a worker contributing to a traditional 401(k), a retiree living on Social Security and traditional IRA withdrawals, and a retiree living in a state that does not tax retirement income. Along the way, we’ll explain 2026 federal tax brackets, effective vs. marginal tax rates, FICA taxes, including Social Security and Medicare taxes, traditional 401(k) tax deductions, Social Security taxation, provisional income, and how state income taxes can dramatically change your retirement tax bill. If you are planning for retirement, wondering how much you will actually pay in taxes after you stop working, or trying to decide between traditional vs. Roth retirement accounts, this video will help you understand how the tax code really works. Retirement tax planning is about far more than your tax bracket. It is about the type of income you receive, when you receive it, and how you structure your withdrawals. Whether you are approaching retirement, already retired, or simply looking for smart tax planning strategies, you’ll walk away with a clearer understanding of how to legally keep more of your hard-earned money. 00:00 - Intro: The $20,000 Tax Gap: Same Income, Different Rules 01:00 - The 4 Levers: The Four Taxes That Shape Every Dollar You Make 02:28 - Scenario 1: The Standard W-2 Paycheck, No 401(k) 04:50 - Scenario 2: The W-2 Paycheck With a 10% Traditional 401(k) 07:15 - Scenario 3: Retirement Income: Traditional IRA Withdrawals + Social Security 11:00 - Scenario 4: The State Tax Lever: Living in a Retirement-Friendly State 12:19 - The Side-by-Side Comparison: Same 24% Bracket, $20,000 Difference 14:15 - Closing: Why Your Tax Bracket Is Only Half the Story 16:22 - Bloopers Connect with me on LinkedIn for charts & daily retirement insights: https://www.linkedin.com/in/erintalksmoney/ Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching, I appreciate you! Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate and should not be considered testimonials or endorsements.

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