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# ![@KurtSupeCPA Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1715058432728829952.png) @KurtSupeCPA Kurt Supe, CPA & Retirement Planner

Kurt Supe, CPA & Retirement Planner posts on X about retirement, money, social security, $21m the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXXXXXX engagements in the last XX hours.

### Engagements: XXXXXXXXX [#](/creator/twitter::1715058432728829952/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1715058432728829952/c:line/m:interactions.svg)

- X Week XXXXXXX -XX%
- X Month XXXXXXXXXX +547%
- X Months XXXXXXXXXX +29,034%
- X Year XXXXXXXXXX +19,671%

### Mentions: XX [#](/creator/twitter::1715058432728829952/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1715058432728829952/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XXX +155%
- X Months XXX -XXXX%
- X Year XXX +25%

### Followers: XXXXXX [#](/creator/twitter::1715058432728829952/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1715058432728829952/c:line/m:followers.svg)

- X Week XXXXXX +2.80%
- X Month XXXXXX +430%
- X Months XXXXXX +2,314%
- X Year XXXXXX +3,319%

### CreatorRank: XXXXX [#](/creator/twitter::1715058432728829952/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1715058432728829952/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  #77 [stocks](/list/stocks)  XXXX% [technology brands](/list/technology-brands)  XXXX% [social networks](/list/social-networks)  XXXX% [countries](/list/countries)  XXXX%

**Social topic influence**
[retirement](/topic/retirement) #2, [money](/topic/money) #24, [social security](/topic/social-security) #20, [$21m](/topic/$21m) #1, [$15m](/topic/$15m) 4.17%, [investment](/topic/investment) #1533, [ira](/topic/ira) #19, [$100kyear](/topic/$100kyear) #2, [all in](/topic/all-in) 4.17%, [owns](/topic/owns) #197

**Top accounts mentioned or mentioned by**
[@droksid](/creator/undefined) [@mekowalski](/creator/undefined) [@kjgillenwater](/creator/undefined) [@smithbob_](/creator/undefined) [@woodrowtrouble](/creator/undefined) [@lhwealthtales](/creator/undefined) [@girdley](/creator/undefined) [@markmap4](/creator/undefined) [@_eager_beaver](/creator/undefined) [@trm81611](/creator/undefined) [@tonytone73](/creator/undefined) [@errantlurker](/creator/undefined) [@mrnqdc](/creator/undefined) [@nathanielsford](/creator/undefined) [@tweetrrando](/creator/undefined) [@spq7am](/creator/undefined) [@rdunsheath](/creator/undefined) [@rawby25](/creator/undefined) [@pika4bigred](/creator/undefined) [@fredwil13519374](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last XX hours

"A couple with $2.4M came in and said: "We want to leave money to our kids." I asked: "Before or after taxes" They looked confused. Here's what I showed them: Option 1: Leave $2.4M IRA as-is Kids inherit traditional IRA Kids are doctors in XX% federal bracket Must drain account in XX years (SECURE Act) After taxes: $1.5M to kids Option 2: Parents do Roth conversions now Parents are retired in 12-24% bracket Convert $2.4M over X years Tax paid by parents: $400K based on effective rate Kids inherit: $2.0M tax-free Kids can defer withdrawals for XX yearstax-free growth At X% return: $3.9M to kids"  
[X Link](https://x.com/KurtSupeCPA/status/1993665541740147027)  2025-11-26T12:58Z 13.7K followers, 966.2K engagements


"25 years as a planner. This case still haunts me. New Client: XX years old. Co-founder of a logistics company. Marathon runner. Looked XX. His partners found a buyer. $45M for the company. His share: $15M. Deal closing in January. This was October. Me: "Your buy-sell is outdated. Update it NOW before this sale closes." Him: "Why spend money on paperwork that won't matter in XX days" Me: "Because if something happens that old agreement controls everything." Him: "I run XX miles a week. I'll be fine." Three weeks later. Massive heart attack at the gym. Dead at XX. The old buy-sell kicked in."  
[X Link](https://x.com/KurtSupeCPA/status/1994447821811191908)  2025-11-28T16:46Z 13.7K followers, 321.3K engagements


"A 67-year-old said: "I'm not worried about inflation. I live simply." Then I showed him healthcare inflation: Today's costs: $6200/year In XX years at X% inflation: $14850/year His income is fixed. His costs are not. Inflation doesn't care how simply you live"  
[X Link](https://x.com/KurtSupeCPA/status/1995477993796596029)  2025-12-01T13:00Z 13.7K followers, 15.7K engagements


"A client asked: "Should I convert my entire IRA to Roth" No. "Why not" Because you'd pay 32-37% to convert. Then have zero traditional IRA money. Which means you can't use your 10-12% tax brackets in retirement. Goal isn't always zero taxes. It's OPTIMAL taxes"  
[X Link](https://x.com/KurtSupeCPA/status/1996976357717262379)  2025-12-05T16:14Z 13.7K followers, 25.3K engagements


"Client walks in. XX years old. $2.8M net worth. House is paid off. Worth $950K. She's living on $38K a year from Social Security. Tell me how that makes sense. She brings coupons to restaurants. Buys the cheapest everything. "I'm not taking money from my retirement accounts. I need that for emergencies." What emergency costs $2.8M You're denying yourself basic comforts at XX. You haven't visited your grandkids in Phoenix in X years. Your emergency fund has an emergency fund. She fought me for X months. "My parents taught me never to touch principal." Your parents also retired with a pension"  
[X Link](https://x.com/KurtSupeCPA/status/1993354241902047661)  2025-11-25T16:21Z 14.4K followers, 7.3M engagements


"The most overlooked retirement risk Cognitive decline. A client asked: "What happens if I can't manage my finances anymore" Do you have: Durable power of attorney Revocable living trust Successor trustee named Simplified accounts Most don't. Your plan must work even when you can't"  
[X Link](https://x.com/KurtSupeCPA/status/1996612711082496405)  2025-12-04T16:09Z 14.4K followers, 12.8K engagements


"My client has $520000 in unrealized capital gains. He's XX. If he sells now: XX% capital gains tax = $78000 If he holds until death: His heirs get step-up in basis = $X tax The answer Hold it. Let them inherit it tax-free"  
[X Link](https://x.com/KurtSupeCPA/status/1997697106497155475)  2025-12-07T15:58Z 14.4K followers, 33.9K engagements


"Peter Thiel turned $2000 into $X billion tax-free using a Roth IRA. Here's the strategyand why it matters for you: What Thiel did: 1999: Put $2000 in a Roth IRA bought PayPal founder shares at $XXXXX 2002: PayPal sold rolled millions tax-free into early Facebook investment Today: $X billion XXX% tax-free forever What you can learn: You don't need billions to use the same strategy. The Roth IRA is the most powerful wealth-building tool in the tax code. For my clients with 1M + in retirement we look at: Strategic Roth conversions in low-income years (12-22% brackets) Tax-free growth for decades"  
[X Link](https://x.com/KurtSupeCPA/status/1998016461349019953)  2025-12-08T13:07Z 14.4K followers, 15.4K engagements


"Client calls me. Just fired his advisor. "I retired three years ago with $2.1M. Planned to spend $100K/year." "I've spent $127K then $132K then $118K." "And I sold my company stock at a big loss last time I needed cash as it has been very volatile." His old advisor told him: "Spending volatility is normal. Stay the course." What the advisor didn't tell him: XX% of his portfolio was concentrated in company stock. When he overspent $27K in year one the stock was down 31%. He sold at the bottom to cover the gap. That $27K withdrawal cost him $127K in future growth. Gone forever. JP Morgan"  
[X Link](https://x.com/KurtSupeCPA/status/1998427796474118643)  2025-12-09T16:21Z 14.4K followers, 22.8K engagements


"A retired pilot said: "I'll just use the X% rule." I asked: "Do you know where it came from" He didn't. The X% retirement withdraw rule assumes: 30-year retirement (65-95) 60/40 portfolio Average sequence of returns His reality: Retiring at XX = 37+ years Market at all-time highs The sequence of returns problem: Retire into a bear market + withdraw X% = permanent damage. Example: $2M portfolio Year 1: Market -XX% + $80K withdrawal = $1.52M Year 2: Market -XX% + $80K withdrawal = $1.29M Down XX% in X yearsrecovery may never happen The X% rule works in average markets. But you don't retire into"  
[X Link](https://x.com/KurtSupeCPA/status/1994759500180365437)  2025-11-29T13:25Z 14.3K followers, 58.4K engagements


"Client's kids are XX XX and XX. She's sitting on $3.2M. Wants to leave it all when she dies. I asked: "What will they need money for at XX XX and 64" Their mortgages will be paid. Kids will be grown. Retirement accounts funded. Meanwhile right now: One is drowning in student loans One can't afford a house in this market One is planning a wedding on a shoestring budget $50K today changes their lives. $50K at XX It's a rounding error. She's giving $30K to each this year. Watching them use it. Die with your memories not your money"  
[X Link](https://x.com/KurtSupeCPA/status/1998794840100974831)  2025-12-10T16:40Z 14.4K followers, 1.7M engagements


"A 74-year-old sat across from me and said: "I wish I would have met you sooner and known about Roth conversions XX years ago." She has $2.6M in her IRA. At XX her RMDs started: $97000/year. Plus Social Security: $38000. She's now paying: XX% federal tax rate $6000/year IRMAA surcharge XX% of SS is taxable The conversion window closed at 73"  
[X Link](https://x.com/KurtSupeCPA/status/1994390065532043525)  2025-11-28T12:57Z 13.7K followers, 50.4K engagements


"The most common regret I hear "I wish I'd retired sooner." Not "I wish I'd saved more." Not "I wish I'd worked longer." But: "I waited too long." A client worked until XX. His wife got sick at XX. They never took the trip to Italy. Time is the only asset you can't replace"  
[X Link](https://x.com/KurtSupeCPA/status/1995900769850327381)  2025-12-02T17:00Z 13.7K followers, 32.5K engagements


""I just lit $47000 on fire because nobody would give me a straight f***ing answer." That's how a guy opened our first meeting. He had $2.1M sitting in a pretax 401(k). For X YEARS he'd been asking what to do about it. His big money management firm advisor: "That's a tax question. Talk to your CPA." His CPA at a big expensive firm: "That's an investment decision. Talk to your advisor." So he said screw it and did a Roth conversion himself. $380000 in one shot. The carnage: Rocketed into the XX% bracket (should've been 24%) Triggered IRMAAhis Medicare premiums doubled for X years Paid $47000 in"  
[X Link](https://x.com/KurtSupeCPA/status/1996217752466477094)  2025-12-03T13:59Z 13.7K followers, 47.6K engagements


"In the last XX years working with 1000s of people on their retirement. I see the same regret every day: "I wish I'd started earlier." So here's how I'm personally using Christmas to build generational wealth instead of buying gifts that will be worthless in a few years. And you can too for your kids and grandkids. Every Christmas and birthday my kids' Roth IRAs get funded. At XX they thought I was the worst dad alive. When their friends were getting new gaming systems and designer clothes. At XX and XX they realized I gave them something their friends will never have. The math: $7000/year"  
[X Link](https://x.com/KurtSupeCPA/status/1996923957618851901)  2025-12-05T12:45Z 13.7K followers, 17.5K engagements


"The difference between good and great retirements Flexibility. Retiree A: $2.7M (all in IRA) Can't access without taxes RMDs are mandatory No flexibility Retiree B: $2.7M (split between Roth taxable brokerage IRA) Tax-free options Control over income Flexibility Same wealth. Completely different retirements. Tax diversification = freedom"  
[X Link](https://x.com/KurtSupeCPA/status/1997293195110354945)  2025-12-06T13:13Z 13.7K followers, 9393 engagements


"Most retirees leave hundreds of thousandsor moreon the table. Not just from bad investing. From bad tax planning wrong Social Security timing zero distribution strategy and no protection against sequence of returns risk. If you're 50+ with $500K+ in retirement assets and approaching or in retirement let's talk. 15-minute call. No pitch. Just math. See if you're leaving money behind:"  
[X Link](https://x.com/KurtSupeCPA/status/1989339087090626657)  2025-11-14T14:26Z 14.4K followers, 305.6K engagements


"Your son makes $92K and just turned XX in a rental apartment. You have $5.1M collecting dust. Explain that to me. My client watched this happen for X years. "I don't want to enable him." Enable him to what Own a home Stop bleeding $2800/month in rent Give your grandkids their own bedrooms We finally structured a $225K gift last month. Now his son owns a home. The grandkids have a yard. And he gets to hang out with his grandkids in a space they'll remember forever. Your kids don't need your money at XX. They need it at XX when: Houses cost $500K Daycare is $2400/month Student loans are $87K"  
[X Link](https://x.com/KurtSupeCPA/status/1991532642420875477)  2025-11-20T15:42Z 14.4K followers, 6.1M engagements


"Guy walks into my office. XX years old. Owns X rental properties. Has $3.8M in equity managing tenants himself. Explain that to me. I watched him answer a tenant call during our meeting. Three times. "I can't sell. I'd lose $588K to taxes." "Why not hire a property manager" "I tried that several times. They charged XX% and let everything fall apart. Cost me more fixing their mistakes than doing it myself." So you're trapped at XX Answering tenant calls at dinner Can't travel because who's going to handle the emergency We looked at everything. 1031 exchanges. Delaware Statutory Trusts."  
[X Link](https://x.com/KurtSupeCPA/status/1992275633175658551)  2025-11-22T16:55Z 14.4K followers, 329.5K engagements


"The second-biggest mistake retirees make Claiming Social Security early. The biggest Not coordinating it with their tax strategy. A prospective client came to us after claiming at XX. The damage: XX years of higher Medicare premiums Lost Roth conversion window Lower lifetime benefits"  
[X Link](https://x.com/KurtSupeCPA/status/1993711846986232139)  2025-11-26T16:02Z 14.4K followers, 23.6K engagements


"The scariest thing I see Overconfidence. A 62-year-old told me: "I've managed my money for XX years. I don't need help." He had $1.4M. All in a single retirement account. No tax strategy. No estate plan. No distribution strategy No Coordination of social security and pension No Risk Management No plan for Sequence of Returns Risk Ex-wife still listed as IRA beneficiary. Confidence without planning is just expensive arrogance"  
[X Link](https://x.com/KurtSupeCPA/status/1994814109830058487)  2025-11-29T17:02Z 14.4K followers, 39.7K engagements


"Client's XX. Planning to retire at XX with $2.2M saved. Has a $215K mortgage at 3.1%. Payment is $1390/month. Wants to pay it off before he retires. "I don't want any debt in retirement." Twenty years ago I would have fought him on this. Pulled up spreadsheets. Run Monte Carlo simulations. Shown him he's leaving $471K on the table. $215K at XXX% costs you $44K in interest over XX years. $215K invested at X% grows to $515K over XX years. The math is clear. Keeping the mortgage wins. But here's what I've learned after XX years: He's got $2.2M. Whether he has $2.2M or $2.7M at XX doesn't change"  
[X Link](https://x.com/KurtSupeCPA/status/1995166432095813826)  2025-11-30T16:22Z 14.4K followers, 767.7K engagements


"A couple said: "We're living on Social Security and RMDs." "Are you happy" "No. We feel broke." They have $2.9M in IRAs. But poor planning made them cash-flow poor: RMDs: $109000 After tax: $82000 Social Security: $52000 Taxable: $44000 Spendable: $126000/year Better planning could give them $168000 spendable. Same assets. $42K more per year"  
[X Link](https://x.com/KurtSupeCPA/status/1996202764532109353)  2025-12-03T13:00Z 14.4K followers, 23.2K engagements


"61 years old snd married. $1.3M saved. Partially retired. Just fired his advisor. "Six months ago I felt like I could finally spend a little." "Now I have $30K in credit card debt I didn't have before." "How did this happen I've been careful my whole life." JP Morgan studied X million households. XX% partially retire. And XX% see a spending surge. Not just more spending. More DEBT. Healthcare up. Food up. Apparel up. Credit cards they paid off years ago Maxed out. Only happens if you earn under $150K/year. (Link to PDF in comments) Why XX years of scarcity mode. Then retirement income starts"  
[X Link](https://x.com/KurtSupeCPA/status/1998047346085572841)  2025-12-08T15:09Z 14.4K followers, 18.5K engagements


"He retired at XX with $2.1M in his IRA. "I'll do Roth conversions when I need the money." He waited until XX. Now RMDs force $85K/year in withdrawals. Combined with Social Security he's in the XX% bracket. Had he converted $100K/year from 62-72 He'd have paid 12%. That 10-year window after retirement but before RMDs It's the lowest tax rates you'll ever see. He missed it. Cost him over $180K in unnecessary taxes. The best time to convert is when your income is lownot when you need the money"  
[X Link](https://x.com/KurtSupeCPA/status/1998383379188699278)  2025-12-09T13:25Z 14.4K followers, 24.9K engagements


"They retired at XX with $4.2M. Felt untouchable. Plan: Withdraw X% coast to Social Security at XX. With that much saved what could go wrong Then Lehman Brothers collapsed. By March 2009 their portfolio had dropped 50%. $4.2M became $2.1M. They still needed $168K to live on. That withdrawal wasn't X% anymore. It was X% of what was left. That's when they walked into my office. Terrified. They'd already pulled $336K over two yearsfrom a shrinking base. Portfolio down to $1.76M and falling. Sequence of returns risk: When you take withdrawals during a downturn you lock in losses and destroy your"  
[X Link](https://x.com/KurtSupeCPA/status/1998740985426358719)  2025-12-10T13:06Z 14.4K followers, 27K engagements


"If they were blowing money on reckless choices Id agree. But the family this story is based on isnt wasteful or irresponsible. These arent poor financial decisions. Theyre paid for a solid college education buying a home and getting married. All smart intentional choices. Theyre a close thoughtful family that makes good decisions and is doing well"  
[X Link](https://x.com/KurtSupeCPA/status/1998814115930710442)  2025-12-10T17:56Z 14.4K followers, 12.1K engagements


"I would respectfully disagree. This story is based on a longtime client who has an exceptionally well designed retirement plan. Her healthcare is covered emergencies are covered and she has more than enough assets and a lot of money she will likely never need to use. She was thrilled with the idea of helping her family while she was living"  
[X Link](https://x.com/KurtSupeCPA/status/1998815628023714034)  2025-12-10T18:02Z 14.4K followers, 7589 engagements


"@BartemyS I would tend to agree but I would need to see their full retirement plan and understand everything they are doing. Gifting should come from money that we are reasonably confident will never be needed during their lifetime"  
[X Link](https://x.com/KurtSupeCPA/status/1998825663189627103)  2025-12-10T18:42Z 14.4K followers, 109.7K engagements


"@EsqAndTwins Excellent Point. Health Care needs to be self funded or covered with insurance. In this case she does have LTC insurance"  
[X Link](https://x.com/KurtSupeCPA/status/1998827263094305224)  2025-12-10T18:48Z 14.4K followers, 7703 engagements