Ready For Retirement

Root Collective member Gary asks how to fund a $40K home remodel before retiring—should he use a taxable brokerage account, tax-deferred 401(k), Roth IRA, or cash?

Ari and I break down how to handle big one-off expenses into a three-part framework:

• Portfolio Sustainability – Can your investments handle both recurring and one-time expenses?
• Investment Allocation – Ensure your assets are positioned to avoid selling at a loss.
• Tax Optimization – Withdraw strategically to minimize lifetime taxes.

The key? Plan ahead, align financial decisions with long-term goals, and make the most of your retirement funds.

Submit your request to join James:
On the Ready For Retirement podcast: Apply Here
On a Retirement Makeover episode: Apply Here

Timestamps:
0:00 - Gary R's question
2:52 - Can your retirement support it?
4:43 - How should investments be allocated?
6:28 - Have a tax strategy
8:54 - A caution; a reminder about sleep
12:03 - Intentionally set aside
14:23 - Mental hang-ups and biases
16:37 - The Collective Community

Create Your Custom Strategy ⬇️

Get Started Here.

Join the new Root Collective HERE!