{"id":635878,"date":"2024-09-11T17:52:11","date_gmt":"2024-09-11T14:52:11","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/the-smart-order-for-maximum-returns\/"},"modified":"2024-09-11T17:52:11","modified_gmt":"2024-09-11T14:52:11","slug":"the-smart-order-for-maximum-returns","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/","title":{"rendered":"#The smart order for maximum returns"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3b3b6447cd0\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3b3b6447cd0\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#In_what_order_should_you_use_your_retirement_funds\" >In what order should you use your retirement funds?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#1_Take_the_required_minimum_distributions_RMDs\" >1. Take the required minimum distributions (RMDs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#2_Withdraw_from_your_taxable_accounts\" >2. Withdraw from your taxable accounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#3_Tap_into_your_tax-deferred_savings\" >3. Tap into your tax-deferred savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#4_Use_your_Roth_accounts\" >4. Use your Roth accounts<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#3_factors_that_can_change_your_retirement_fund_withdrawal_strategy\" >3 factors that can change your retirement fund withdrawal strategy<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#1_Your_current_and_future_tax_brackets\" >1. Your current and future tax brackets<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#2_Retirement_goals\" >2. Retirement goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#3_Market_volatility\" >3. Market volatility<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#How_much_should_you_save_for_retirement\" >How much should you save for retirement?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#How_much_to_withdraw_during_retirement_The_4_rule_of_thumb\" >How much to withdraw during retirement: The 4% rule of thumb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#FAQs_Tapping_into_retirement_savings\" >FAQs: Tapping into retirement savings<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#How_can_I_tell_if_my_retirement_nest_egg_is_big_enough\" >How can I tell if my retirement nest egg is big enough?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#How_long_will_1_million_last_in_retirement\" >How long will $1 million last in retirement?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#Sources\" >Sources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/buradabiliyorum.com\/en\/the-smart-order-for-maximum-returns\/#About_the_writers\" >About the writers<\/a><\/li><\/ul><\/nav><\/div>\n<div>When it comes to dipping into your retirement savings, the order you withdraw from your accounts matters. Why? Because each type of retirement savings comes with its own set of withdrawal rules and tax requirements.<\/p>\n<p>While there\u2019s no one-size-fits-all withdrawal strategy, here\u2019s a smart rule of thumb to follow: Take your required minimum distributions (RMDs) if you\u2019re 73 or older \u2014 simply because they\u2019re mandatory. Next, withdraw from your taxable accounts at your brokerage or investment platform, which gives your tax-advantaged accounts more time to grow. After that, tap into your tax-deferred accounts like traditional 401(k)s or IRAs. Finally, leave your Roth accounts for last, since they grow tax-free and you\u2019ll want to give them as much time as possible.<\/p>\n<p>Let\u2019s dive into why this paydown strategy makes sense for many retirees and factors that can affect the order you follow.<\/p>\n<h2 class=\"caas-jump-link-heading\" id=\"in-what-order-should-you-use-your-retirement-funds\"><span class=\"ez-toc-section\" id=\"In_what_order_should_you_use_your_retirement_funds\"><\/span>In what order should you use your retirement funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A simple yet wise strategy to follow is to <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>roach your retirement funds in the following order:<\/p>\n<ol class=\"caas-list\">\n<li>\n<p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"#1-take-the-required-minimum-distributions-rmds\" data-jump-link=\"\" data-ylk=\"slk:Take your required minimum distributions (RMDs);elm:context_link;itc:0;sec:content-canvas\" class=\"link rapid-noclick-resp\">Take your required minimum distributions (RMDs)<\/a><\/p>\n<\/li>\n<li>\n<p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"#2-withdraw-from-your-taxable-accounts\" data-jump-link=\"\" data-ylk=\"slk:Withdraw from your taxable accounts;elm:context_link;itc:0;sec:content-canvas\" class=\"link rapid-noclick-resp\">Withdraw from your taxable accounts<\/a><\/p>\n<\/li>\n<li>\n<p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"#3-tap-into-your-tax-deferred-savings\" data-jump-link=\"\" data-ylk=\"slk:Tap into your tax-deferred savings;elm:context_link;itc:0;sec:content-canvas\" class=\"link rapid-noclick-resp\">Tap into your tax-deferred savings<\/a><\/p>\n<\/li>\n<li>\n<p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"#4-use-your-roth-accounts\" data-jump-link=\"\" data-ylk=\"slk:Use your Roth accounts;elm:context_link;itc:0;sec:content-canvas\" class=\"link rapid-noclick-resp\">Use your Roth accounts<\/a><\/p>\n<\/li>\n<\/ol>\n<h3 class=\"caas-jump-link-heading\" id=\"1-take-the-required-minimum-distributions-rmds\"><span class=\"ez-toc-section\" id=\"1_Take_the_required_minimum_distributions_RMDs\"><\/span>1. Take the required minimum distributions (RMDs)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once you hit 73 or older, you\u2019re required by the Internal Revenue Service (IRS) to withdraw a certain amount from most retirement accounts each year, including traditional 401(k)s and traditional IRAs. These are your required minimum distributions \u2014 or RMDs.<\/p>\n<p>Planning to tap into your retirement accounts that require RMDs helps you dodge some hefty penalties. Fines range from 10% to 25% of the required distribution you didn\u2019t take in time, which could really put a dent in your retirement funds. So, even if you don\u2019t need the money, it\u2019s smart to take out your RMDs to help your retirement savings last longer.<\/p>\n<h3 class=\"caas-jump-link-heading\" id=\"2-withdraw-from-your-taxable-accounts\"><span class=\"ez-toc-section\" id=\"2_Withdraw_from_your_taxable_accounts\"><\/span>2. Withdraw from your taxable accounts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you\u2019ve already taken care of your RMDs or you\u2019re not yet 73, your next stop should be your taxable accounts. These are your accounts at brokerages or investment platforms you\u2019ve used to invest in stocks, bonds, mutual funds and other assets.<\/p>\n<p>The money in your taxable accounts doesn\u2019t get any special tax perks: You\u2019ve already paid income tax before investing since it\u2019s post-tax income, and you\u2019ll owe capital gains tax on any profits when you sell your assets. But these taxable accounts give you more flexibility since they don\u2019t have penalties for taking money out early.<\/p>\n<p>This makes them a great option to tap into if you plan to retire early. Plus, you pay lower taxes on assets you\u2019ve held in your taxable account for more than a year. So, try to cash out these assets first to take advantage of those lower long-term capital gains taxes.<\/p>\n<p><strong>Dig deeper: <\/strong><\/p>\n<h3 class=\"caas-jump-link-heading\" id=\"3-tap-into-your-tax-deferred-savings\"><span class=\"ez-toc-section\" id=\"3_Tap_into_your_tax-deferred_savings\"><\/span>3. Tap into your tax-deferred savings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Next up are the retirement funds you\u2019ve got in traditional 401(k) or traditional IRA accounts. When you put money into these accounts, a perk is postponing paying taxes until you start taking money out. This ability to defer taxes allows your retirement savings to grow tax-free over time.<\/p>\n<p>You can tap into these accounts penalty-free once you\u2019re 59 1\/2 or older. Before that, you\u2019ll face a 10% early withdrawal penalty. That\u2019s a big reason why using your taxable accounts first makes more sense.<\/p>\n<p>Any funds you take out of your tax-deferred accounts get taxed as ordinary income. This income falls into different tax brackets, each with its own tax rate.<\/p>\n<p>You can optimize your withdrawal rate by taking out just enough to maximize your current tax bracket without going into a higher one. This strategy is called bracket management, and it\u2019s a smart way to stretch your retirement funds and minimize your tax burden.<\/p>\n<p>But keep in mind that the IRS requires you to take out required minimum distributions (RMDs) once you\u2019re 73 or older. So plan ahead for the impact your RMDs can have on your tax bracket.<\/p>\n<p><strong>Dig deeper: <\/strong><\/p>\n<h3 class=\"caas-jump-link-heading\" id=\"4-use-your-roth-accounts\"><span class=\"ez-toc-section\" id=\"4_Use_your_Roth_accounts\"><\/span>4. Use your Roth accounts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Finally, it\u2019s time to tap into your Roth accounts, which includes Roth IRAs and Roth 401(k)s. The funds in these accounts are the cherry on top of your retirement savings. That\u2019s because you\u2019ve already paid taxes on this money, so you won\u2019t pay any additional taxes when you take it out in retirement.<\/p>\n<p>This tax-free status applies to the original amounts you add to your Roth accounts as well as growth over time. That\u2019s why it\u2019s best to leave these funds untouched as long as possible to let them grow without any tax burden, potentially giving you a larger nest egg down the road. Plus, if you end up not needing the money during your lifetime, you can leave your Roth accounts to your loved ones as a tax-free inheritance.<\/p>\n<p>Remember that, unlike traditional retirement accounts, Roth IRAs don\u2019t require minimum distributions during your lifetime. Starting in 2024, the same rule applies to Roth 401(k)s.<\/p>\n<h2 class=\"caas-jump-link-heading\" id=\"3-factors-that-can-change-your-retirement-fund-withdrawal-strategy\"><span class=\"ez-toc-section\" id=\"3_factors_that_can_change_your_retirement_fund_withdrawal_strategy\"><\/span>3 factors that can change your retirement fund withdrawal strategy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your current and future tax brackets, retirement goals, market conditions and additional factors can all play a role in defining your best strategy for tapping into your retirement savings.<\/p>\n<h3 class=\"caas-jump-link-heading\" id=\"1-your-current-and-future-tax-brackets\"><span class=\"ez-toc-section\" id=\"1_Your_current_and_future_tax_brackets\"><\/span>1. Your current and future tax brackets<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Where you fall on the tax bracket ladder now and where you might be in the future can help shape your withdrawal strategy. This is especially true for withdrawals from taxable brokerage accounts, traditional 401(k)s and traditional IRAs since they increase your tax liability.<\/p>\n<p>For example, if you expect to be in a higher tax bracket later, it might make sense to tap into these accounts now while your tax bracket is lower. On the other hand, if you think you\u2019ll be in a lower tax bracket down the road, you might want to hold off on those withdrawals as long as they aren\u2019t required.<\/p>\n<p><strong>Dig deeper:<\/strong> <\/p>\n<h3 class=\"caas-jump-link-heading\" id=\"2-retirement-goals\"><span class=\"ez-toc-section\" id=\"2_Retirement_goals\"><\/span>2. Retirement goals<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You might have a retirement dream in mind, from <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/trip-and-travel\/\" data-internallinksmanager029f6b8e52c=\"10\" title=\"Trip &amp; Travel\" target=\"_blank\" rel=\"noopener\">travel<\/a>ing the world to starting a garden to enjoying beautiful days with your grandchildren. Your retirement goals can shape your withdrawal strategy.<\/p>\n<p>If you plan on  or a boat early in retirement, you might need to make bigger withdrawals early on. But if you\u2019re aiming for a steady lifestyle, you could spread your withdrawals more evenly.<\/p>\n<p>Then there\u2019s the legacy you leave behind, which influences which accounts you tap first. For example, Roth accounts are a great vessel for passing on tax-free assets to your loved ones, while traditional IRAs and 401(k)s are better used during your lifetime.<\/p>\n<p><strong>Dig deeper: <\/strong><\/p>\n<h3 class=\"caas-jump-link-heading\" id=\"3-market-volatility\"><span class=\"ez-toc-section\" id=\"3_Market_volatility\"><\/span>3. Market volatility<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>At least a portion of your retirement funds might be invested in the stock, bond or mutual fund market. This means that economic ups and downs can change the impact of each withdrawal you make.<\/p>\n<p>For example, you might want to avoid making larger withdrawals during downturns to avoid selling assets at a low price. But you could feel more comfortable taking out more money when the market is riding high.<\/p>\n<p>That\u2019s why it helps to keep your eye on market conditions even after you retire to know when and where to draw your retirement income from.<\/p>\n<h2 class=\"caas-jump-link-heading\" id=\"how-much-should-you-save-for-retirement\"><span class=\"ez-toc-section\" id=\"How_much_should_you_save_for_retirement\"><\/span>How much should you save for retirement?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>How much you save for retirement depends on your needs when the time comes to retire. Consider your current expenses now and remember that, <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/general\/\" data-internallinksmanager029f6b8e52c=\"3\" title=\"General\" target=\"_blank\" rel=\"noopener\">general<\/a>ly, many retirement experts suggest you\u2019ll spend upward of 80% of your pre-retirement income when you retire.<\/p>\n<p>If you\u2019re unsure, use a calculator to see if you\u2019ve saved enough or are on the right track to save enough before your eventual retirement. If not, adjust your savings plan to max out your IRA and, if possible, your employer-sponsored 401(k). While an employer match is nice, not everyone has that opportunity at work. Still, you should try to put as much as possible into your retirement accounts while you still can.<\/p>\n<p>Remember that as you get closer to retirement, your portfolio should be less risky. Consider safer assets in your investment strategy. If stocks made up most of your portfolio when you were in your 40s and 50s, you might drop that to 30% to 50% of your portfolio when you\u2019re in retirement.<\/p>\n<p>Markets shift and change constantly. Even if you\u2019re taking money out of your retirement accounts in a down year, having safer asset allocation means you\u2019ll lose less if the market takes a turn when you\u2019re set to take distributions.<\/p>\n<p><strong>Dig deeper:<\/strong> <\/p>\n<h2 class=\"caas-jump-link-heading\" id=\"how-much-to-withdraw-during-retirement-the-4-rule-of-thumb\"><span class=\"ez-toc-section\" id=\"How_much_to_withdraw_during_retirement_The_4_rule_of_thumb\"><\/span>How much to withdraw during retirement: The 4% rule of thumb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Figuring out how much to take out during retirement isn\u2019t always easy. The 4% rule was designed to help retirees make regular withdrawals without running out of money.<\/p>\n<p>The 4% rule says to take out 4% of your tax-deferred accounts \u2014 like your 401(k) \u2014 in your first year of retirement. Then every year after that, you increase your retirement withdrawals by the previous year\u2019s inflation rate.<\/p>\n<p>Say you have $1 million in your accounts for retirement. In the first year of your retirement, you\u2019d withdraw $40,000. If inflation were up 3% that year, you\u2019d multiply that by the amount you took out the first year \u2014 $40,000 \u2014 and you get $1,200. That means in year 2, you\u2019d withdraw $41,200. If inflation were up another 3%, you\u2019d take out $42,436 in year 3. And you\u2019d do this annually to calculate how much to withdraw every year.<\/p>\n<p>While the 4% rule is more of a guideline and less of a stringent rule, it\u2019s a good idea to use this as a way to measure how to make responsible withdrawals in retirement. You might need to work out your math differently based on your retirement income needs and how much you\u2019ve saved \u2014 you might find that a 3% rule works just fine for you or you prefer to boost it to 6% to cover all your bases.<\/p>\n<p><strong>Dig deeper: <\/strong><\/p>\n<h2 class=\"caas-jump-link-heading\" id=\"faqs-tapping-into-retirement-savings\"><span class=\"ez-toc-section\" id=\"FAQs_Tapping_into_retirement_savings\"><\/span>FAQs: Tapping into retirement savings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 class=\"caas-jump-link-heading\" id=\"how-can-i-tell-if-my-retirement-nest-egg-is-big-enough\"><span class=\"ez-toc-section\" id=\"How_can_I_tell_if_my_retirement_nest_egg_is_big_enough\"><\/span>How can I tell if my retirement nest egg is big enough?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Everyone\u2019s retirement needs are different, so what you have in your account might be enough to cover all your needs. You\u2019ll be able to tell if your retirement nest egg is big enough by calculating your expected retirement income and what your expected retirement spending is. If your income is higher than your expenses, you may have enough. But if you\u2019re coming in the negative, you may still need to save more,  or .<\/p>\n<h3 class=\"caas-jump-link-heading\" id=\"how-long-will-1-million-last-in-retirement\"><span class=\"ez-toc-section\" id=\"How_long_will_1_million_last_in_retirement\"><\/span>How long will $1 million last in retirement?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For many folks, $1 million is how much we\u2019ve been told to save for retirement. But where you live and your lifestyle greatly affect how you\u2019ll spend that $1 million. If you live in a high cost-of-living area or you have health concerns that require assisted living, a home health aide or expensive medication, you might go through that amount of money quickly. If you live in a lower cost-of-living area and you\u2019re relatively healthy, it may take you longer to go through that money.<\/p>\n<h2 class=\"caas-jump-link-heading\" id=\"sources\"><span class=\"ez-toc-section\" id=\"Sources\"><\/span>Sources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 class=\"caas-jump-link-heading\" id=\"about-the-writers\"><span class=\"ez-toc-section\" id=\"About_the_writers\"><\/span>About the writers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Yahia Barakah <\/strong>is a personal finance writer at AOL with over a decade of experience in finance and investing. As a certified educator in personal finance (CEPF), he combines his economics expertise with a passion for financial literacy to simplify complex retirement, banking and credit topics. He loves empowering people to make informed financial decisions that improve their everyday and long-term wellness. Yahia&#8217;s expertise has been featured on FinanceBuzz, FX Empire and EarnForex. Based in Florida, he balances his love for finance with freediving, hiking and underwater photography.<\/p>\n<p><strong>Dori Zinn<\/strong> is a personal finance journalist with more than a decade of experience covering credit, debt, investing, real estate, student loans, college affordability and personal loans. Her work has been featured in the New York Times, the Wall Street Journal, Yahoo, Forbes and CBS <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/news\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"News\" target=\"_blank\" rel=\"noopener\">News<\/a>, among other top publications. She loves helping people learn about money.<\/p>\n<p><em>Article edited by <\/em><em><\/em><\/p>\n<\/div>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMN63nwsw68G3Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more News articles, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/news\/\" target=\"_blank\" rel=\"noopener\">News category.<\/a><\/span><\/strong>\n<\/p><\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"https:\/\/www.aol.com\/finance\/maximizing-returns-from-retirement-withdrawal-strategy-145210894.html\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to dipping into your retirement savings, the order you withdraw from your accounts matters. Why? Because each type of retirement savings comes with its own set of withdrawal rules and tax requirements. While there\u2019s no one-size-fits-all withdrawal strategy, here\u2019s a smart rule of thumb to follow: Take your required minimum distributions (RMDs)&#8230;<\/p>\n","protected":false},"author":1,"featured_media":635879,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/r4K0CX99S0NRdQ8cd1Pm.w--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD04MDA-\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2024-03\/44994120-f10c-11ee-b76f-b9eee4e10ce4","fifu_image_alt":"","footnotes":""},"categories":[70897],"tags":[],"class_list":["post-635878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/635878","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=635878"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/635878\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/635879"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=635878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=635878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=635878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}