@kaylagrieve: You've been saving into your 401k for 30 years. Feels safe, right? It's not always. ⚠️ At 73, the government forces you to start withdrawing — ready or not. Those withdrawals get taxed as ordinary income, at your highest rate. Combine that with Social Security, and you could get pushed into an even higher tax bracket than you expected. The fix many people miss: converting to a Roth before then, so you pay the tax now and never again. Ask us about income planning. 🤝 #financialliteracy #financialfreedom #motivational #retirement #investmentproperty