Where to Draw Money First in Retirement: The Optimal Order (HSA, Roth, Brokerage, IRA)

Erin Talks Money | Erin Moriarity

00:00 - Intro & The Four Buckets 00:42 - Setup & Assumptions (67, balances, SS, spending, 5% return) 01:23 - How Each Bucket Is Taxed (HSA, Roth, Traditional, LTCG) 02:25 - Deductions & OBBB (2025 single filer) 02:50 - The High-Level Draw Order (Ages 67–72) 03:10 - HSA Rules You Must Know 04:24 - Pr