# ![@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, tax bracket the most. They currently have [------] followers and [---] posts still getting attention that total [-------] engagements in the last [--] hours.

### Engagements: [-------] [#](/creator/twitter::1715058432728829952/interactions)
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### Mentions: [--] [#](/creator/twitter::1715058432728829952/posts_active)
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- [--] Week [--] +15%
- [--] Month [---] +22%
- [--] Months [---] +75%
- [--] Year [---] +8.40%

### Followers: [------] [#](/creator/twitter::1715058432728829952/followers)
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- [--] Week [------] +2.10%
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- [--] Months [------] +4,531%
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### CreatorRank: [------] [#](/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)  #929 [countries](/list/countries)  0.94% [stocks](/list/stocks)  0.94%

**Social topic influence**
[retirement](/topic/retirement) #4, [money](/topic/money) 15.09%, [social security](/topic/social-security) #143, [tax bracket](/topic/tax-bracket) #1510, [math](/topic/math) #2256, [in the](/topic/in-the) 6.6%, [$1m](/topic/$1m) #253, [financial](/topic/financial) #2641, [$2m](/topic/$2m) #43, [$500k](/topic/$500k) #19

**Top accounts mentioned or mentioned by**
[@rob66733000](/creator/undefined) [@oceandocscott](/creator/undefined) [@erikfinancehelp](/creator/undefined) [@samsamiam45](/creator/undefined) [@mcn742766360744](/creator/undefined) [@symbol_machines](/creator/undefined) [@btc_there4_i_am](/creator/undefined) [@jrob840](/creator/undefined) [@b3a5tc0c](/creator/undefined) [@peterschiff](/creator/undefined) [@smellypeaches4u](/creator/undefined) [@garretd757](/creator/undefined) [@buttercuppb](/creator/undefined) [@schoowoo](/creator/undefined) [@bigbwash1](/creator/undefined) [@margaretd1776](/creator/undefined) [@developamerica](/creator/undefined) [@francneb](/creator/undefined) [@rehzreal](/creator/undefined) [@giangolamalcolm](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

"The "$1 Million Retirement" is a psychological trap. Financial media has you convinced $1M is the bare minimum. Meanwhile the Federal Reserve data tells a completely different story: 95% of Americans never hit $1M 98.2% never reach $2M 99.9% never touch $5M If you have $500K saved you're not "behind." You're literally DOUBLE the median. That anxiety eating at you It's not your numbers. It's their headlines. But here's what shocked me most when I analyzed thousands of retirement plans: I've seen properly structured $700K portfolios generate MORE in annual spendable income than chaotic $1.1M"  
[X Link](https://x.com/KurtSupeCPA/status/2022069305156706566)  2026-02-12T22:04Z 29.3K followers, 65.3K engagements


"A couple withdraws $160000 and pays $6736 in federal taxes. That's a 4% tax rate. Here's the account everyone ignores that made it possible. The scenario: Age [--] and just retired. Living on $100000 a year from a brokerage account while converting another $60000 from IRA to Roth. Many think this is backwards. "Don't touch the brokerage Live off your IRAs first" Wrong. Here's why the brokerage account is the secret weapon: In this case about half of every dollar is original investment (basis). The other half is gains. Withdrawing $100000: $50000 is return of your own money $0 tax $50000 is"  
[X Link](https://x.com/KurtSupeCPA/status/2020845387268182032)  2026-02-09T13:01Z 29.3K followers, 109.7K engagements


"I just heard about a 62-year-old woman who's still consulting and pulling in $95K a year. She filed for Social Security thinking 'Great I'll grab my $2100/month now let it sit and grow while I keep working a bit longer.' Sounded smart on the surface get the money early right Nope. Big trap here. If you're under full retirement age (67 for most folks her age) and still earning Social Security's earnings test kicks in. In [----] if you make over $24480 they withhold $1 in benefits for every $2 above that limit. She's at $95Kthat's way over. Excess earnings: about $70520. So they withhold roughly"  
[X Link](https://x.com/KurtSupeCPA/status/2021569156294840558)  2026-02-11T12:57Z 29.3K followers, 410.7K engagements


"A 52-year-old executive tries the "Backdoor Roth" strategy. Income: $385000 Can't contribute to Roth IRA directly. He does this: Contributes $8000 to Traditional IRA Converts to Roth Thinks he's done. But here's what he forgot: He has $180000 sitting in a Rollover IRA from an old 401(k). The IRS pro-rata rule applies to ALL Traditional IRAs combined. His math: Total Traditional IRA: $188000 ($180K + $8K contribution) Taxable portion: 95.7%Tax on "tax-free" conversion: $2450 He thought he'd found a tax-free loophole. Instead he created a $2450 tax bill. The fix Roll the $180000 Rollover IRA"  
[X Link](https://x.com/KurtSupeCPA/status/2022293932118364552)  2026-02-13T12:57Z 29.3K followers, 91.9K engagements


"A 60-year-old commercial real estate broker with the following: Net Income = $300000 (highly variable) Annual bonus = $0 (commission-based) Mortgage = $0 (paid off [--] years ago) SEP IRA contributions = $69000/year Retirement savings = $1450000 Kids = Two in their 30s financially independent Total anxiety = "What if the market crashes right when I retire" [----] financial crisis nearly bankrupted him - income dropped to $42K that year. Rebuilt everything from $180K in retirement savings at age [--]. Here is what I would do: https://twitter.com/i/web/status/2019762607108882628"  
[X Link](https://x.com/KurtSupeCPA/status/2019762607108882628)  2026-02-06T13:18Z 29.3K followers, 57.1K engagements


"A 73-year-old retired executive has $2M in his 401(k). Zero in Roth. Zero tax planning. Social Security: $48000/year His Required Minimum Distribution this year: $75472 Combined income: $116272 That triggers Medicare IRMAA surcharges and pushes him solidly into the 22% bracket when he only needs $75000 to live. The math over [--] years: Unnecessary taxes paid: Approximately $450000 Medicare IRMAA surcharges: $48000+ What could have been done differently at age 65: Annual Roth conversions of $80K for [--] years at the 12% bracket = $67200 in taxes paid strategically Potential savings: $380000+ The"  
[X Link](https://x.com/KurtSupeCPA/status/2021932551053676638)  2026-02-12T13:01Z 29.3K followers, 198.2K engagements


"A 63-year-old nurse is retiring early with $1.5M saved. She's planning a massive Roth conversion before Medicare starts at [--]. "I want to convert $500000 while I'm in a low bracket." Here's what many don't know: Medicare looks at your income from [--] YEARS AGO. A [----] Roth conversion affects [----] Medicare premiums. Standard Part B premium: $202.90/month Premium with $500K conversion: $689.90/month The surcharge: $5844/year for ONE conversion decision Better strategy: Spread $500K over [--] years = $166K/year Stay under the top IRMAA bracket Potential savings: $13000+ in Medicare penalties Most"  
[X Link](https://x.com/KurtSupeCPA/status/2022662862519558319)  2026-02-14T13:23Z 29.3K followers, 91.4K engagements


"Client walks in. [--] 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 [--]. You haven't visited your grandkids in Phoenix in [--] years. Your emergency fund has an emergency fund. She fought me for [--] 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 28.7K followers, 7.3M engagements


"She looked down at her hands and asked me something I'll never forget. 68-year-old widow. Retired office admin from a Fortune [---] company in the Northeast. $1.8M saved over [--] years. Her 32-year-old daughter can't buy a house. "Should I give her $200000 now. or make her wait until I'm dead" Then in a hushed tone: "What if I end up needing it" This is the conversation tearing families apart right now. Boomers are sitting on $84 trillion. Their kids can't afford what they bought at [--]. The guilt is crushing. The fear is real. And nobody's saying it out loud. Because here's what she's really"  
[X Link](https://x.com/KurtSupeCPA/status/2016138874603340238)  2026-01-27T13:19Z 28.8K followers, 122K engagements


"74 years old. several million in the bank nice pension good social security benefit (delayed until 70). Still working part-time "for something to do." His grandson is [--]. Electrician. Makes $78K . Kid worked through COVID. Never missed a day. Saved $45K for a down payment. Found a small house. $340K. Needs work but he can fix it himself. Bank says he needs $68K down. He's $23K short. Grandpa could write the check right now. Wouldn't even feel it. Instead: "He needs to save more. Show some discipline." The kid is eating ramen. Drives a [----] Tacoma with 240K miles. Meanwhile Grandpa just"  
[X Link](https://x.com/KurtSupeCPA/status/2017224779594383515)  2026-01-30T13:14Z 28.8K followers, 455.3K engagements


"Two guys build a plumbing company together. Best friends for [--] years. $12M business. Split 50/50. Partner gets divorced at [--]. Ugly. Wife cheating. He's devastated. Divorce settlement: She gets 30% of the business. He keeps 20%. His partner still has 50%. Now there are three owners. Ex-wife holds the swing vote on everything. He wants to sell to his partner's son who's been running it for [--] years. Ex-wife votes no. "I want market price. Outside buyer." She's already talking to private equity. They'll gut it and flip it. The son loses everything he's built. The buy-sell agreement Written in"  
[X Link](https://x.com/KurtSupeCPA/status/2017581127993598194)  2026-01-31T12:50Z 28.6K followers, 2M engagements


"Parents sold their home to their kids at a substantial discount Kids gave them a private mortgage at 3% Banks are charging over 6% Parents collect income every month Kids built out an area for them Parents come stay in the summer months Kids build equity at half what banks charge Parents get steady income and a place to visit House stays in the family I know not every family can do this But why aren't the ones who can at least talking about it https://twitter.com/i/web/status/2017945276745691526 https://twitter.com/i/web/status/2017945276745691526"  
[X Link](https://x.com/KurtSupeCPA/status/2017945276745691526)  2026-02-01T12:57Z 29K followers, 624.5K engagements


"Three siblings inherited their mom's house. Worth $1.2M. Each was supposed to get $400K. Instead they each got $300K and a family they'll never speak to again. Want to know the worst part It was 100% preventable. For [--] years one daughter became the full-time caregiver. Moved into mom's house. Left her career. Sacrificed everything. When mom passed she wanted to stay. It was her home now. Her two siblings had different plans: "Sell it. We want our share." No one would budge. Court-ordered sale. Down market. $980K$220K less than it was worth. Legal fees. Realtor commissions. Closing costs."  
[X Link](https://x.com/KurtSupeCPA/status/2018307664912973898)  2026-02-02T12:57Z 29K followers, 403.1K engagements


"Even multi million dollar retirement plans often have a fatal flaw. Not because of market crashes. Because of [--] blind spots no one talks about. One can cut your success rate in half overnight. Here's what's missing from your plan: https://youtu.be/3QtxEQyR9o0si=xNAOB1_osO1k302s https://youtu.be/3QtxEQyR9o0si=xNAOB1_osO1k302s"  
[X Link](https://x.com/KurtSupeCPA/status/2018408915340341691)  2026-02-02T19:39Z 28.7K followers, 22.7K engagements


"For years parents and grandparents asked me: "How do I get my newborn into a Roth IRA" I had to say no UNTIL NOW Section 530A accounts just made it possible. And it might be the greatest tax-free wealth builder ever created. Here's why: It allows parents and grandparents to start funding from the day the child is born. The Problem (Until Now): Parents and grandparents understand the power of tax-free compounding in a Roth IRA. They want to fund it for their kids from day one. But the IRS has always said: "No earned income No Roth IRA." Section 530A accounts just eliminated that barrier. How"  
[X Link](https://x.com/KurtSupeCPA/status/2018671060594332096)  2026-02-03T13:01Z 28.8K followers, 42.7K engagements


"So a 77-year-old who bought a home decades ago should be penalized for. what exactly Making a smart decision with the opportunities available to them Here's what you're missing: Every generation inherits advantages the previous one didn't have. You have access to: Technology that creates wealth faster than any point in history Remote work opportunities that didn't exist [--] years ago Investment platforms with zero fees Information that would've cost thousands to access They had affordable housing. You have tools to build wealth they couldn't have imagined. Different advantages. Different"  
[X Link](https://x.com/KurtSupeCPA/status/2019048511757500677)  2026-02-04T14:00Z 29K followers, 67.1K engagements


"Fortune [---] executive. Usually unshakeable. The next words out of his mouth changed everything. Late 50s. Usually calm. Usually confident. This time he wasnt. Laid off. $350k+ income gone overnight. Cant land a new role. Cant retire yet. Too young for Medicare. Private insurance is crushing. Big IRA. Big lifestyle. Mortgage still hanging around. He said I just needed a few more years. This is the danger zone no one plans for. One way to prepare: Build a non-qualified brokerage + cash runway before your final working years. You never think itll happen to you. Until it does"  
[X Link](https://x.com/KurtSupeCPA/status/2019388285471322255)  2026-02-05T12:31Z 29.1K followers, 70.7K engagements


"Step 3: Delay Social Security until [--] With no pension Social Security becomes your guaranteed income floor. Waiting from [--] to [--] increases your benefit by approximately 76% based on current Social Security rules. This provides valuable guaranteed lifetime income"  
[X Link](https://x.com/KurtSupeCPA/status/2019762611378704733)  2026-02-06T13:18Z 28.5K followers, [----] engagements


"Millions of Americans have an HSA but most are using it completely wrong. Here's the strategy almost nobody knows about: Most people: Medical bill comes in HSA is sitting in cash They use their HSA debit card to pay for it Account stays empty The wealthy: Medical bill comes in Pay it out of pocket with a credit card Let HSA grow invested for decades Keep EVERY medical receipt (this is critical) Reimburse themselves tax-free at retirement years later Turned their HSA into a secret retirement account Why aren't more people doing this https://twitter.com/i/web/status/2020119604090269893"  
[X Link](https://x.com/KurtSupeCPA/status/2020119604090269893)  2026-02-07T12:57Z 29.1K followers, 136.6K engagements


"Sarah's mom passed away. Sarah pulled out the deed to sell the family home. Several years ago her mom had added Sarah as joint owner. Sarah remembered signing at the attorney's office. "No probate. It'll be easier" her mom had said. Sarah thought it was smart planning. Until she called her CPA. "You may owe around $83000 in capital gains tax when you sell." "What Inheritances aren't taxed." "Half of this gets step-up. But the half your mom gifted you several years ago That keeps her $200000 basis. You'll owe tax on half the gain when you sell for $900000." Her mom was trying to help. She may"  
[X Link](https://x.com/KurtSupeCPA/status/2021204251805090213)  2026-02-10T12:47Z 29.1K followers, 101.5K engagements


"1. The Golden Window (Ages 58-72) Your income drops when you retire. RMDs don't start until [--] (75 if born [----] or after). This 13-year window is when you fill up the 12% and 22% tax brackets with Roth conversions. Example: Client: [--] $1.2M in IRAs retired Converted $80K/year for [--] years at 22% tax Saved $340K in lifetime taxes vs. waiting for RMDs at 32%+ rates https://twitter.com/i/web/status/2021283945363468753 https://twitter.com/i/web/status/2021283945363468753"  
[X Link](https://x.com/KurtSupeCPA/status/2021283945363468753)  2026-02-10T18:03Z 29K followers, [----] engagements


"4. The Three-Bucket Withdrawal Strategy Most retirees drain taxable accounts first. Wrong. Strategic sequence: Early retirement (60-72): Roth conversions from IRA live on taxable RMD years (73+): Blend IRA taxable and Roth to stay in 22% bracket Late retirement (80+): Roth becomes tax-free legacy for heirs"  
[X Link](https://x.com/KurtSupeCPA/status/2021283950992253410)  2026-02-10T18:03Z 29K followers, [----] engagements


"5. Tax-Loss Harvesting + 0% Capital Gains Strategy Harvest losses in taxable accounts annually. Use losses to offset capital gains and up to $3K of ordinary income each year. Unused losses carry forward indefinitely. Pair this with the 0% long-term capital gains bracket. Example: Banked $60K in losses from a market downturn Realized $60K in long-term gains later Losses offset gains = $0 taxable gain Capital gains tax = 0% Bonus: If you can reduce taxable income low enough you may already be in the 0% LTCG bracket making gain harvesting essentially tax-free."  
[X Link](https://x.com/KurtSupeCPA/status/2021283952774816013)  2026-02-10T18:03Z 29K followers, [----] engagements


"The comment claiming "no scenario could save $380000" and calling it "20% of the $2 million" is wrong. You are missing some basic math. The $380000+ savings isn't reducing the $2M principal by 20%it's the net result of paying only $67200 in low-rate (12%) taxes upfront on conversions instead of paying much higher taxes (22%+) plus Medicare IRMAA surcharges on large RMDs every year for 20+ years. By shrinking the traditional 401(k) balance early future RMDs drop dramatically keeping more money growing tax-free in Roth and avoiding hundreds of thousands in cumulative tax drag and extra premiums"  
[X Link](https://x.com/KurtSupeCPA/status/2022003415425957974)  2026-02-12T17:42Z 29.1K followers, [----] engagements


"@OceandocScott I love it and hope you are having a great retirement"  
[X Link](https://x.com/KurtSupeCPA/status/2022301024296325496)  2026-02-13T13:25Z 29.2K followers, [--] engagements


"Dad is a long-time Lilly employee. Has $10M in LLY stock. Basis is $500K. Kid needs $500K for a house. If he sells and gifts it he owes tax on $475K gain. That's $95K to the IRS + state tax. Instead he puts it in a trust. Borrows $500K against it. Gives it to his kid. Borrowing is not income. So no tax. Uses lifetime exemption to avoid gift tax. He lives on loans too. Never sells. He dies holding the asset. Kid inherits at stepped-up basis. IRS gets $0. https://twitter.com/i/web/status/2009613376087851117 https://twitter.com/i/web/status/2009613376087851117"  
[X Link](https://x.com/KurtSupeCPA/status/2009613376087851117)  2026-01-09T13:09Z 29.3K followers, 2.3M engagements


""Should I take the lump sum or the monthly pension" He took the $850K lump sum instead of $4200/month for life. Said he wanted control. Two years later its down to $520K. He blew through the money on vacations home upgrades and helping adult kids. If hed taken the pension hed already have $100K+ guaranteed for life. Control felt empowering until it wasnt"  
[X Link](https://x.com/KurtSupeCPA/status/1984594268670058913)  2025-11-01T12:12Z 29.3K followers, 72.9K engagements


"Client's mom died with a $1.2M house and a will: "Split everything equally among my [--] children." Two years later the siblings don't speak. What went wrong: One daughter lived there caring for mom for [--] years. Wanted to keep the house. The other two: "We want our $400K now." Forced sale. Sold for $980K. After fees: Each got $300K instead of $400K. The caregiving daughter lost her home AND $100K. Nobody won. Family destroyed. A proper estate plan could have: Let the daughter buy out siblings over time Allowed waiting for a better market Set clear terms BEFORE mom died "Equal" isn't always"  
[X Link](https://x.com/KurtSupeCPA/status/1986839563537641788)  2025-11-07T16:54Z 29.3K followers, 2.6M engagements


"Watching a couple argue over a $12K trip to Italy. "That's too much" he said. They have $3.9M. Their plan shows they'll end with $4.5M at age [--]. The math says spend. The spreadsheet says spend. I said spend. But [--] years of "save don't spend" doesn't shut off overnight. The hardest part of retirement planning isn't the numbers. It's convincing people they've already won"  
[X Link](https://x.com/KurtSupeCPA/status/1987202706910683532)  2025-11-08T16:57Z 29.3K followers, 1.2M engagements


"He donated $30000 to charity last year from his checking account. Tax benefit: $0. (He took the standard deduction.) He came to me wondering why his CPA said he "wasted" the deduction. This year same $30K donation. But from his IRA using a QCD (Qualified Charitable Distribution). Now it: Satisfies his RMD Lowers his taxable income Reduces his Medicare premiums Same donation $7200 less in taxes Wish he'd found me before that first donation. Would've saved $7200. After [--] stop writing checks to charity. Send it from your IRA instead"  
[X Link](https://x.com/KurtSupeCPA/status/1987863560727433321)  2025-11-10T12:43Z 29.3K followers, 36.9K engagements


"He remarried at [--]. Blended family. His kids from first marriage her kids from hers. No prenup. "We trust each other." He died at [--]. She inherited everything under state law. His kids Got nothing. She changed the beneficiaries to her children. His $1.8M estate went to a family that wasn't his. Second marriages need ironclad legal and financial planning. Love isn't enough"  
[X Link](https://x.com/KurtSupeCPA/status/1988592363237999029)  2025-11-12T12:59Z 29.3K followers, 394.7K engagements


"A couple bought a $650K vacation home at [--]. "We'll use it all the time in retirement." Down payment: $130K (20%) Mortgage: $2900/month Property taxes: $15K/year Insurance: $4500/year Maintenance: $8K/year Utilities: $3600/year HOA: $2400/year Annual cost: $68300. Over [--] years: $683000. Actual usage: [--] weeks per year. Cost per week: $1700. That $130K down payment invested at 6% would've generated $156000 over [--] years. The $68300 annual cost in a brokerage account Another $950000 accumulated. Total opportunity cost: $1.1M+ for [--] weeks of vacation. They could've rented luxury homes anywhere"  
[X Link](https://x.com/KurtSupeCPA/status/1989032011298713980)  2025-11-13T18:06Z 29.3K followers, 582.2K engagements


"I'm Kurt Supe CPA and retirement planner. My goal is to help YOU maximize your retirement income and retire with confidence. I post content designed to give you clarity around complex retirement planning topics. Every week I share insights on tax optimization income planning Social Security timing investment management risk management estate planning withdrawal sequencing and much more. My Mission: Help clients retire on THEIR timeline with maximum income so you can enjoy the wealth you've built. I've spent 25+ years helping people make smarter decisions around retirement taxes and income."  
[X Link](https://x.com/KurtSupeCPA/status/2016637423623819308)  2026-01-28T22:20Z 29.3K followers, 16.3K engagements


"Father dies at [--]. $2.7M estate. Three adult kids. He set up a trust in [----]. Never updated it. Kids can't touch principal until age [--]. They're currently [--] [--] and [--]. The trustee His brother who died [--] years ago. Nobody caught it. Now a bank is the successor trustee. Charging $36400/year in fees. The trust references his "wife" getting income. She died in [----]. He remarried in [----]. His second wife gets nothing. The trust still pays his first wife's estate. His 52-year-old daughter is a teacher. Makes $78K. Renting an apartment. She gets $14K/year from the trust but can't access principal"  
[X Link](https://x.com/KurtSupeCPA/status/2016862644016230699)  2026-01-29T13:15Z 29.3K followers, 2.2M engagements


"Grandmother is absolutely Furious. She'd been putting $5K/year into an investment account for her grandson since he was born. [--] years. $90K deposited. Grew to $215K. "This was supposed to teach him about investments. Help with college. Give him a real head start in life." Grandson turned [--] last month. $72K lifted truck. Moved into a luxury apartment with his girlfriend. Dropped out of college. No job. Living off the account gone in less than a year. The money Legally 100% his. Grandma has zero say. "I spent [--] years building that. He's blowing through it in [--] months." The problem: She set"  
[X Link](https://x.com/KurtSupeCPA/status/2019757216652513372)  2026-02-06T12:57Z 29.3K followers, 1.7M engagements


"I have watched people with millions destroy their retirements arguing with their kids about who had it harder. The boomer vs. millennial blame game is exhaustingand it's robbing you of what should be the best years of your life. "We worked hard too" "You had affordable housing and education" Both sides are dug in. Nobody's winning. The fighting is poisoning relationships. Here's what I've learned after [--] years: most of the drama in retirement is optional. You can't control the economy. You can't control your kids' opinions about your generation. You can't control what they post on social"  
[X Link](https://x.com/KurtSupeCPA/status/2020482999595454541)  2026-02-08T13:01Z 29.3K followers, 12.7K engagements


"7 Ways Retirees with $1M+ Can Cut Their Lifetime Tax Bill in Half After [--] years of retirement planning I've seen $1M+ portfolios pay $400K in lifetime taxes. And I've seen identical $1M+ portfolios pay $180K. The difference These [--] strategies most CPAs never mention:"  
[X Link](https://x.com/KurtSupeCPA/status/2021283943715074495)  2026-02-10T18:03Z 29.3K followers, 37.8K engagements


"The real data on retirement savings will shock you. And the solution is simpler than you think. Watch the full video here 👇 https://youtu.be/OhqrXSBi5_osi=CHfLckqkyx7ZTlxh https://youtu.be/OhqrXSBi5_osi=CHfLckqkyx7ZTlxh"  
[X Link](https://x.com/KurtSupeCPA/status/2022069306717352094)  2026-02-12T22:04Z 29.3K followers, 12.6K engagements


"He was absolutely devastated. He added his eldest daughter to his $650K brokerage account as a "joint owner." The goal: "If anything happens to me she can pay bills and manage the house without probate." Simple. Logical. Efficient. Until last week. His daughter was involved in a serious DUI accident. Because her name was on the account as a joint owner the lawyers for the other driver moved to freeze the entire $650K. Grandpa can't pay his own property taxes. Can't withdraw for medical co-pays. "That's my life savings. She didn't put a dime in there." The Law: Doesn't matter. In a joint"  
[X Link](https://x.com/KurtSupeCPA/status/2023018707392340185)  2026-02-15T12:57Z 29.3K followers, 355.1K engagements


"Step [--] Price your life. Essentials (housing food utilities) Joys (trips hobbies grandkids giving) Risks (healthcare pre-Medicare LTC big repairs) Turn each into an annual dollar figure in todays dollars"  
[X Link](https://x.com/anyuser/status/1958165554344403411)  2025-08-20T13:53Z 29.2K followers, [----] engagements


"Step [--] Map guaranteed income. Social Security (test [--] vs [--] vs 70) Pensions/annuities Part-time or consulting Sum these up. This is your floor"  
[X Link](https://x.com/anyuser/status/1958165556135399857)  2025-08-20T13:53Z 29.2K followers, [----] engagements


"Step [--] Calculate your enough portfolio. Needed from investments = Annual spending goal Guaranteed income. Rule of thumb: portfolio [----] that gap (3%4% initial withdrawal). Example: $30k gap $750k$1M"  
[X Link](https://x.com/anyuser/status/1958165557699612869)  2025-08-20T13:53Z 29.2K followers, [----] engagements


"Step [--] Build resilience and guardrails. [--] years of cash/very conservative investments for withdrawals Diversify by time horizon (short-term safety long-term growth) Adjust spending after down years raise after good ones This prevents panic and keeps retirement sustainable"  
[X Link](https://x.com/anyuser/status/1958165559452762527)  2025-08-20T13:53Z 29.2K followers, [----] engagements


"Step [--] Review annually. Recheck goals income taxes and healthcare costs Rebalance investments Refill cash bucket Once the math says you have enough the real shift is mental: stop chasing more and start living. Thats the win"  
[X Link](https://x.com/anyuser/status/1958165561034113133)  2025-08-20T13:53Z 29.2K followers, [----] engagements


"80% of retirees make the same mistake with withdrawals: They wait until RMDs kick in at [--]. Result They end up paying more taxes than they ever needed to. 👉 Instead start filling your tax brackets early. Withdraw strategically or do partial Roth conversions in your 60s to spread out the tax burden"  
[X Link](https://x.com/anyuser/status/1974150451760177286)  2025-10-03T16:32Z 29.2K followers, [----] engagements


"The most expensive lie in retirement: Tax rates wont change. The U.S. owes $37.4T and is paying $1T+ a year in interest. Thats not a typo. If lawmakers need revenue guess whats easiest to change Your tax rate Most people think rates will not go up. History says otherwise: the top U.S. rate has swung from 94% (4445) to 70% (1980) to the 30s today. Tax planning is critically important during retirement and the decade prior to retirement"  
[X Link](https://x.com/anyuser/status/1975906933392445900)  2025-10-08T12:51Z 29.2K followers, 470.7K engagements


"@PeterSchiff Going back a few thousand years in history. Every time Gold had a run like this it has not ended well. Will this time be different"  
[X Link](https://x.com/anyuser/status/1975957393415733586)  2025-10-08T16:12Z 29K followers, [----] engagements


"He retired with $3.2M. But every time I told him it was safe to spend he froze. I just cant touch the principal he said. He wasnt scared of running out. He was scared of letting go. After [--] years of saving he couldnt flip the switch to living. Thats the trap for so many retirees money becomes the goal not the tool. Security feels good but meaning feels better. Dont die with your dreams fully funded"  
[X Link](https://x.com/anyuser/status/1979534931840708659)  2025-10-18T13:08Z 29.2K followers, [----] engagements


"The saddest thing Ive seen in [--] years as a planner: Clients who saved all their lives then waited too long to spend it. Health declined. Family moved away. Trips never taken. Money means nothing if you miss your window to use it. Spend intentionally not fearfully"  
[X Link](https://x.com/anyuser/status/1981375811585482858)  2025-10-23T15:03Z 29.1K followers, [---] engagements


"Just had a family walk in who inherited an IRA. The tax bill is $187000. You spent [--] years building wealth. Your heirs could lose 40% to income taxes probate costs and poor planning. The families who protect their legacy do these [--] things differently: Title assets to avoid probate (saves 3-5% in fees in many states) Plan distributions to minimize income taxes on inherited IRAs (SECURE Act's 10-year rule is brutal) Use trusts strategically (protects assets and provides control) I've seen $5M estates shrink to $3M because heirs got slammed with massive income taxes on inherited IRAs paid $250K"  
[X Link](https://x.com/anyuser/status/1982823778460561583)  2025-10-27T14:56Z 29.2K followers, 23.4K engagements


"It absolutely has utility: Portability: Move $1M across borders in seconds with just a seed phrase. Try doing that with gold or cash. Storage: Costs virtually nothing to store compared to physical assets or real estate. Scarcity: Fixed supply of 21M coins. No government can print more when they need to fund spending. Permissionless: No bank can freeze your account. No government can seize it (if stored properly). While the dollar has lost 97% of its purchasing power since [----] through endless printing Bitcoin's supply is mathematically capped. That's not speculation that's monetary policy you"  
[X Link](https://x.com/anyuser/status/1984256657656807829)  2025-10-31T13:50Z 29.2K followers, 14.9K engagements


"Unpopular opinion: Not everyone should max out their traditional 401(k). If you're in the 12% bracket now and will be in the 22% bracket in retirement (RMDs Social Security pension) you're prepaying taxes at 12% to pay them later at 22%. Consider Roth contributions or taxable brokerage instead. Tax diversification tax deferral"  
[X Link](https://x.com/anyuser/status/1984473724100493574)  2025-11-01T04:13Z 29.2K followers, 12.4K engagements


"Your retirement has [--] phases: GO-GO years (60-75): Travel active highest spending SLOW-GO years (75-85): Less travel more stability NO-GO years (85+): Healthcare focus lowest spending Your withdrawal strategy should match these phases. Don't use a flat 4% for [--] years"  
[X Link](https://x.com/anyuser/status/1985341190342934590)  2025-11-03T13:40Z 29.2K followers, [----] engagements


"Just had a client get hit with a $7200 Medicare bill. She had no idea IRMAA existed. Here's what happened: She sold investment property at [--]. Made $180K profit. Forgot about it. Two years later (at 65) her Medicare Part B jumped from $185/month to $629/month. IRMAA (Income-Related Monthly Adjustment Amount) looks back [--] years. One-time income spike = two years of higher premiums for BOTH spouses. If you're planning any large income events near Medicare age model the IRMAA impact first"  
[X Link](https://x.com/anyuser/status/1985386992142516695)  2025-11-03T16:42Z 29.2K followers, [----] engagements


"Do your kids know where your important documents are Estate plan Insurance policies Account passwords Safe combinations If something happened to you tonight would they know what to do Have the conversation"  
[X Link](https://x.com/anyuser/status/1986067979528814738)  2025-11-05T13:48Z 29.2K followers, [----] engagements


"$1000000 at 4% withdrawal = $40000/year income. After taxes (22% bracket): $31200/year. That's $2600/month. Is that enough for your retirement Most people overestimate what their number provides"  
[X Link](https://x.com/anyuser/status/1986113781294878798)  2025-11-05T16:50Z 29.2K followers, [----] engagements


"She lost her husband in January [----]. Filed jointly that year. One last time. Then [----] hit. And so did the tax bill. She lost another $89000. Not to medical bills. Not to funeral costs. To taxes. Here's what nobody tells you about losing a spouse: Year 1: File jointly (last time) Year 2: You're Single After [--] years of marriage she'd forgotten what single tax brackets even looked like. Two Social Security checks become one. But your expenses They drop maybe 20%. Same house payment. Same property taxes. Same healthcare costs. Same RMDs from the IRA. Her income dropped 30%. Her tax bracket"  
[X Link](https://x.com/anyuser/status/1986128761788768595)  2025-11-05T17:49Z 29.2K followers, 17.8K engagements


"You didn't save $1M+ just to hand half of it to the IRS. Most retirees over [--] are bleeding money through bad withdrawal strategies. Here's the truth: You need a Strategic Income Plannot a generic retirement account. What sets us apart: We use the CFG Retirement Roadmap to turn your savings into tax-efficient lifetime income. Our [--] Pillar Approach since 2003: Retirement Income Planning that coordinates everything Tax Planning that keeps more in your pocket Investment Planning built for longevity The result Maximum retirement income. Minimum taxation. Ready to have a plan focused on retirement"  
[X Link](https://x.com/anyuser/status/1986142843371712907)  2025-11-05T18:45Z 29.2K followers, 669.1K engagements


"Market crashes: Temporary. Inflation: Permanent. Taxes: Guaranteed. Healthcare costs: Unavoidable. Most people prepare for the wrong risk"  
[X Link](https://x.com/anyuser/status/1986187961344602429)  2025-11-05T21:44Z 29.1K followers, [----] engagements


"Leaving an inheritance is optional. You don't owe your kids your wealth. You earned it. You can spend it. Die with zero or die with millionsboth are fine. Just make it an intentional choice"  
[X Link](https://x.com/anyuser/status/1986473400542580961)  2025-11-06T16:39Z 29.2K followers, [----] engagements


"Your IRA is NOT worth what the balance says. $500K IRA = $390K after 22% taxes. Your Roth IRA IS worth the balance. $500K Roth = $500K tax-free. Plan with after-tax numbers"  
[X Link](https://x.com/anyuser/status/1986782185345396934)  2025-11-07T13:06Z 29.2K followers, [----] engagements


"The Risks Nobody Talks About Everyone fears market crashes. But I've seen more retirements destroyed by: Paying $600K for long-term care with no plan. Losing $200K to taxes they could've avoided. Kids fighting over estates with zero documentation. Dying with $2M in the bank and a lifetime of "someday." Market risk is real. But regret risk tax risk and family risk Those are the ones that actually destroy legacies"  
[X Link](https://x.com/anyuser/status/1987143071029661994)  2025-11-08T13:00Z 29.2K followers, [----] engagements


""I'm not spending it. I want to leave something for my kids." Here's what your kids actually want: Stories about your life. Photos from trips you took. Memories of you being present not stressed. Knowing you lived fully not carefully. They don't want your money. They want YOU to enjoy the life you built. Don't die with your dreams fully funded and your life half-lived"  
[X Link](https://x.com/anyuser/status/1987505457548742935)  2025-11-09T13:00Z 29.2K followers, 24K engagements


"A 61-year-old just stopped funding their HSA. "I'm almost on Medicare. Why bother" Here's why: You're about to spend $330000+ on healthcare in retirement. HSAs are the ONLY triple tax-free account: Deductible going in Growth is tax-free Medical withdrawals tax-free Most people cash them out early and waste the most powerful tax advantage in the code. The wealthy They max it. Invest it. Never touch it. Treat it like a Roth for healthcare. Then at 65+ they pull tax-free money for: Premiums. Prescriptions. Dental. Vision. Long-term care. Medicare supplements. Keep funding until [--]. Let it grow."  
[X Link](https://x.com/anyuser/status/1987565597404836276)  2025-11-09T16:59Z 29.2K followers, 17K engagements


"At [--] the IRS makes you start spending your IRA. Whether you want to or not. At [--] they make you spend even more. At [--] even more. By [--] you're forced to pull money you don't need pay taxes you could've avoided and watch your legacy shrink. RMDs don't care about your tax bracket. They only care about the IRS getting paid. Your 50s and 60s are when you still have control. Use them"  
[X Link](https://x.com/anyuser/status/1987939561721524327)  2025-11-10T17:45Z 29.2K followers, 29.7K engagements


"@smellypeaches4u Most people I work with would say the children equally. However there are exceptions"  
[X Link](https://x.com/anyuser/status/1988627691038179811)  2025-11-12T15:19Z 28.6K followers, 16.2K engagements


"@GarretD757 Yes it is terrible and causes unrepairable harm to the families"  
[X Link](https://x.com/anyuser/status/1988629420857344313)  2025-11-12T15:26Z 29.1K followers, 23.6K engagements


"@ButtercupPB The state would not matter in this case. The state had no jurisdiction over the majority of the assets because of the way assets were title and beneficiaries were listed. She was joint owner on everything and primary beneficiary on life insurance and retirement plans"  
[X Link](https://x.com/anyuser/status/1988630159772069974)  2025-11-12T15:29Z 29K followers, 22.6K engagements


"@schoowoo You are correct. Unfortunately in this case she was primary on everything and everyone else was contingent"  
[X Link](https://x.com/anyuser/status/1988630446519779368)  2025-11-12T15:30Z 29K followers, 10.7K engagements


"@bigbwash1 That is a tough one. While I do agree in many cases. I have also seen second marriages work really well if they take my advice on the financial side"  
[X Link](https://x.com/anyuser/status/1988630844295074000)  2025-11-12T15:31Z 29K followers, 14.1K engagements


"@MargaretD1776 Sorry to hear that and glad you are moving on. Life is just too short"  
[X Link](https://x.com/anyuser/status/1988631070451884162)  2025-11-12T15:32Z 28.6K followers, [----] engagements


"@developamerica Agreed"  
[X Link](https://x.com/anyuser/status/1989041263417381066)  2025-11-13T18:42Z 28.6K followers, 31.1K engagements


"@franc_neb You would be surprised at how many people are ill equipped to rent the property out. I can tell you many horror stories of people who didn't know what they were doing over the last [--] years"  
[X Link](https://x.com/anyuser/status/1989041878738825289)  2025-11-13T18:45Z 29K followers, 37.5K engagements


"@Rehzreal So sorry to hear that. Money changes people. This is a story all too common unfortunately"  
[X Link](https://x.com/anyuser/status/1989042396894753216)  2025-11-13T18:47Z 29.2K followers, [----] engagements


"Marcus Schrenker lived in a $1M mansion on Geist Reservoir. Flew a $2.2M Piper Meridian. Drove luxury cars. His clientsincluding Delta pilots and professionalsthought their money was safe in his Heritage Wealth Management firm. It wasn't. Claims exceeded $20M stolen to fund his lifestyle. When investigators closed in January [----] he did the unthinkable: Flew his plane over Alabama. Made a fake distress call. Parachuted out. Let the plane crash in Florida. Thought he'd disappear forever. He was found [--] days later in a tent at a KOA campground. Sentenced to [--] years. Right here in Indiana."  
[X Link](https://x.com/anyuser/status/1989327457200242752)  2025-11-14T13:40Z 29.2K followers, [----] engagements


"Client's [--]. Planning to retire at [--] 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 3.1% costs you $44K in interest over [--] years. $215K invested at 6% grows to $515K over [--] years. The math is clear. Keeping the mortgage wins. But here's what I've learned after [--] years: He's got $2.2M. Whether he has $2.2M or $2.7M at [--] doesn't change"  
[X Link](https://x.com/KurtSupeCPA/status/1995166432095813826)  2025-11-30T16:22Z 27.8K followers, 769.6K engagements


"Client's kids are [--] [--] and [--]. She's sitting on $3.2M. Wants to leave it all when she dies. I asked: "What will they need money for at [--] [--] 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 [--] 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 28.5K followers, 5.2M engagements


"Christmas Eve. My kids are home. Not "kids" anymore. They're adults with their own lives their own apartments their own problems I can't fix. But for the next few weeks they're here. Arguing about what movie to watch. Raiding the fridge. Taking over the living room like they never left. And I'm trying to soak in every second of it. Because I know this doesn't last forever. Eventually they'll pack up and head back to their lives. The house will get quiet again. But right now tonight I get to be their dad in the same house where I taught them to ride bikes and helped with homework and worried"  
[X Link](https://x.com/KurtSupeCPA/status/2003819951950274588)  2025-12-24T13:28Z 28.9K followers, 298.6K engagements


"Your retirement plan could be obsolete by [----]. And your advisor has no idea what's coming. Anti-aging therapies are in human trials RIGHT NOW. Not [--] years from now. Now. In the last [--] months: Mice living 25% longer Gene therapy that reverses cellular age tested in primates "Zombie cells" cleared from humans in clinical trials 20+ trials testing therapies that target aging itself. First cellular reprogramming therapy enters human trials in [----]. And every retirement plan still assumes you're dead by [--]. Here's the problem: You're [--]. You've got $2.8M. You're planning for [--] years. What if"  
[X Link](https://x.com/KurtSupeCPA/status/2005651772547748095)  2025-12-29T14:47Z 28.4K followers, 12.4K engagements


"After 25+ years helping families retire successfully And guiding thousands of millionaire clients into their best retirement years. These are the [--] most important lessons for timing it right: [--]. Your Health Span Matters More Than Your Lifespan The difference between retiring at [--] vs [--] isn't just [--] yearsit's often your BEST [--] years. I've watched clients hike Yosemite at [--] who couldn't at [--]. Don't sacrifice your healthiest decade for an extra $200K you may never enjoy. [--]. The "One More Year" Trap is Real Every client who said "just one more year" said it again the next year. The goal isn't"  
[X Link](https://x.com/KurtSupeCPA/status/2009244948525404431)  2026-01-08T12:45Z 28.9K followers, 34K engagements


"My client's daughter sent a Zillow link: "This is the house we're buying with the inheritance money. Isn't it perfect" He's [--]. She's [--]. He's still alive. That text changed everything. $3.3M saved. Living on $85K/year. Could safely spend $120K+. The reason he didn't "Building legacy for the kids." But she wasn't grateful. She was planning. Me: "When did your inheritance become her house payment fund" Him: "Good question." We created what I call a "permission budget": $40K/year for things he'd been postponing. Year one and two: Trip to Ireland he'd delayed [--] years New truck (traded in his"  
[X Link](https://x.com/KurtSupeCPA/status/2009970730734399670)  2026-01-10T12:49Z 28K followers, 8.5M engagements


"My client just saved over $150000 in taxes. Without changing his tax bracket even once. Here's the trick nobody talks about: Most retirees think Roth conversions are only worth it if tax rates go up. Wrong. There's a massive hidden benefit even if rates stay exactly the same. When you retire your RMDs don't just create taxable income. They trigger taxation on your Social Security. It's called "provisional income" and it's a stealth tax that catches everyone off guard. Hit certain thresholds and suddenly 85% of your Social Security becomes taxable. Money you thought was mostly tax-free The IRS"  
[X Link](https://x.com/KurtSupeCPA/status/2011772100604817496)  2026-01-15T12:07Z 28.3K followers, 34.6K engagements


"Robert and Janet had $5.2M and a problem most parents pray they never face: If they died tomorrow their son's $1.7M inheritance would probably kill him. Tyler the youngest was [--] years deep into addiction. Robert and Janet had spent over $200K trying to save him: [--] rehab stays [--] sober living homes A repossessed truck A failed business Every "fresh start" ended the same way. The math was simple and terrifying: Significant money + active addiction = accelerated death. Here's what they did: When Robert and Janet pass Tyler's 1/3 goes into a trust controlled by his two siblings as co-trustees."  
[X Link](https://x.com/KurtSupeCPA/status/2012506942317719762)  2026-01-17T12:47Z 27.9K followers, 54.1K engagements


"Everyone obsesses over the Backdoor Roth IRA. $7000 a year. Cute. Meanwhile there's a strategy that lets you put $46000+ into a Roth. Same year. No income limits. And many high earners have no idea it exists. Here's how it works: Your 401(k) has a total contribution limit of $70000 for [----] ($77500 if you're 50+). Most people only think about the $23500 employee deferral limit. But that's not the ceiling. That's the floor. If your plan allows it you can contribute AFTER-TAX dollars beyond the $23500. Then immediately convert those after-tax dollars to Roth. Tax-free growth. Forever. Here's"  
[X Link](https://x.com/KurtSupeCPA/status/2012875873926488385)  2026-01-18T13:13Z 28.3K followers, 387.2K engagements


"Edwin won $2M after taxes in the lottery. [--] years old. Warehouse worker making $48K/year. Week 1: Bought his mom a $250K house. Bought himself a $50K truck. Quit his job. Week 6: $385K gone. Week 8: He called us in a panic. The lottery curse is real. 70% of winners go broke within [--] years. We had to stop the bleeding fast. THE EMERGENCY BRAKE Remaining: $1.615M We split it into three buckets: $100K - Checking (living expenses) $515K - Moderate Conservative investments $1M - Growth portfolio His cousin wanted $50K for a restaurant Nope His brother needed $30K Not happening. THE REALITY CHECK"  
[X Link](https://x.com/KurtSupeCPA/status/2013230208359575734)  2026-01-19T12:41Z 28K followers, 1.1M engagements


"Here's how to fix it: [--]. Calculate what you'll actually owe in taxes at 73Your 401(k) balance your RMD rate = forced withdrawal. That number will shock you. Most people are in for an unexpected tax hit. [--]. Build your retirement income plan NOW not at [--]. Map out exactly where every dollar comes from: Social Security pensions 401(k) Roth taxable accounts. The order you tap them determines your tax bill. [--]. Start Roth conversions now while you control the timing. Especially if you can pay 12% or 22% now instead of 35% later when the IRS forces you to withdraw. [--]. Stop putting everything in your"  
[X Link](https://x.com/KurtSupeCPA/status/2013590079521124453)  2026-01-20T12:31Z 29K followers, 14.8K engagements


"Steve and Linda had $1.9M they'd never touch. Both [--]. Living comfortably in West Texas on their pension and Social Security. Their kids were doing even betterone had a CPA firm in NYC the other crushing it in tech in Palo Alto. They thought leaving $1.9M to their kids was the plan. But their kids were only going to see $950K of it. Here's why: Son: CPA firm owner in NYC. Makes over 1M. Daughter: Tech exec in Palo Alto. Makes $800K + stock. When they inherit that $1.9M traditional IRA the SECURE Act forces them to drain it in [--] years. That's $190K per year in forced withdrawals. Son pays 48%"  
[X Link](https://x.com/KurtSupeCPA/status/2013954984082276772)  2026-01-21T12:41Z 28K followers, 364.5K engagements


"David walked in looking uneasy. He's [--]. Been dealing with some health stuff his doctor's monitoring. His wife Sarah is [--]. Healthy. Active. No issues. $2.1M in traditional IRAs between them. Living on $142K a year. Everything seemed fine. I pulled up their tax projection and asked a question they'd never considered: "What happens to Sarah's taxes if she ends up filing single" David looked confused. "We file jointly. Does that matter" It matters more than most people realize. Because eventually one of you files Single. And when that happens your IRAs turn into a tax nightmare. Right now"  
[X Link](https://x.com/KurtSupeCPA/status/2014324418726580251)  2026-01-22T13:09Z 28.2K followers, 58.1K engagements


"Their granddaughter was about to bury herself in $200K of student debt. Ron and Marieages [--] and [--] sitting on $4.2Mwere going to let it happen. Not because they didn't care. Because they thought they couldn't help without major tax consequences. Emma just got accepted to Syracuse. Cost: $68K/year. Four years: $272K total. Her parents made too much for financial aid but not enough to cover it. Emma was looking at $200K+ in loans. At 6% interest that's $2200/month for [--] years. Or she could stretch it to [--] years at $1500/month. Either way she'd be paying off college until she was in her 40s."  
[X Link](https://x.com/KurtSupeCPA/status/2014684793263554585)  2026-01-23T13:01Z 28.4K followers, 328.4K engagements


"@GiangolaMalcolm Did you actually read the post or just having a rough day and want to vent. The couple paid the full tuition which actually leaves financial aid for other less fortunate students and kept their granddaughter out of debt"  
[X Link](https://x.com/KurtSupeCPA/status/2014717057485459541)  2026-01-23T15:09Z 28.4K followers, [----] engagements


"Mark called us shortly after his daughter's wedding. "I just watched her marry a con artist. And I have $6.3M that he's going to try to get his hands on." Ashley was [--]. Smart. Successful career. Head over heels. Derek was [--]. "Entrepreneur." Three failed LLCs. Two bankruptcies. An ex-wife he still owed money. Mark had done his homework. Ashley didn't want to hear it. "Dad you just don't understand him. He's ambitious." Mark watched it happen in real time: Derek "borrowed" $15K from Ashley for a business venture. Gone. Pressured her to co-sign a lease on a Range Rover they couldn't afford."  
[X Link](https://x.com/KurtSupeCPA/status/2015046425826959470)  2026-01-24T12:58Z 28.4K followers, 278.4K engagements


"My son asked if I could pick up some bulk frozen chicken at Costco for him. He's a college senior. Many of the people he knows spend $400/month on DoorDash. While his friends are financing expensive cars losing money on sports betting apps and moving into new luxury apartments he's asking me to grab chicken on sale. They think he's cheap. I see this exact pattern destroy my clients' kids and grandkids all too often. Here's what most parents don't realize: Their 23-year-old just graduated with $45000 in student loans at 7% interest. That's $522/month for [--] years. Total paid: $62640. But the"  
[X Link](https://x.com/KurtSupeCPA/status/2015413595358503234)  2026-01-25T13:17Z 28.4K followers, 430.5K engagements


"We are buried in snow here in central Indiana. My dog is literally chest-deep in powder. Does he care Nope. Still having the time of his life. Retirement planning lesson: Sometimes you just gotta embrace the conditions you can't control. You can't control: When the market crashes What interest rates do Whether we hit a recession right when you retire You CAN control: Having 2-3 years in conservative holdings so you never sell at the bottom Your tax bracket in retirement (most people overpay by [--] figures) When you take Social Security (timing is a $100K+ decision) My little guy's chest-deep in"  
[X Link](https://x.com/KurtSupeCPA/status/2015567297738322156)  2026-01-25T23:27Z 28.4K followers, 12.7K engagements


""I'm really conservative with my money." I pulled up his portfolio: 95% aggressive growth stocks. Me: "When did you last review this" Him: "A few years ago. My guy at the bank said to let it ride." This is [----] all over again and I've seen this movie before. Back then I was the young advisor telling near-retirees about "sequence of returns risk." They'd laugh me out of the room. "The market only goes up." "You don't understand the new economy." "I'll be fine." Then 2001-2002 happened. The calls started: "I lost 40%. and I still need to pull $70000 a year to live on. I might have to go back to"  
[X Link](https://x.com/KurtSupeCPA/status/2015771956755525759)  2026-01-26T13:01Z 28.2K followers, 101.8K engagements


"A teacher with $500K is retiring comfortably. His friend with $2.5M is worried he'll run out. Same city. Same lifestyle costs. The difference One has an "elite characteristic" the other doesn't. The top 1% who sleep soundly ALL have at least one of these [--] characteristics. Here's what shocked me: You only need ONE of these to potentially retire on HALF what conventional wisdom says. Type #4 is the most powerfuland the one most retirees completely overlook. Which type are you (Most people have at least one and don't realize it) I break down all [--] with the exact math and action via @YouTube"  
[X Link](https://x.com/KurtSupeCPA/status/2016193863535280391)  2026-01-27T16:57Z 28.4K followers, 48.2K engagements


"A 57-year-old with $4.2M in his 401(k) was about to make a mistake that would cost him two years of his life. He walked into my office burned out and ready to retire. "Kurt I'd love to quit today but I can't touch my 401(k) until [--] without penalties. I'm trapped for two more years." I showed him something nobody had ever mentioned to him. The Rule of [--]. If you separate from service in the year you turn [--] or later you can access your 401(k) penalty-free. No 10% penalty. No waiting until [--]. He thought I was making it up. His HR department never told him. He'd been planning to grind through"  
[X Link](https://x.com/KurtSupeCPA/status/2016494719241465950)  2026-01-28T12:53Z 28.5K followers, 349.9K engagements


"The biggest question I get asked is: How do I know if I'm ready to retire Everyone focuses on the account balance But that's only part of the story Here's what actually matters: Can your portfolio survive a crash in year one What order are you pulling from your accounts How are you covering healthcare before [--] Do you have an actual income plan or just savings What happens if your spouse dies first Have you figured out what you're retiring TO Do you know your purpose beyond work Many people have the money But they're missing the strategy AND the mental preparation"  
[X Link](https://x.com/KurtSupeCPA/status/2019033447516274884)  2026-02-04T13:01Z 28.5K followers, 10.4K engagements


"Step 2: Max out SEP IRA contributions until age [--] At $72000/year for [--] more years that could add approximately $288000 plus potential growth. Assuming reasonable market returns this could put you around $1.7M+ by 65"  
[X Link](https://x.com/KurtSupeCPA/status/2019762609973575809)  2026-02-06T13:18Z 28.5K followers, [----] engagements


"@SteveForbesCEO Beyond ESG impacts the real worry is how massive deficit spending might spike future tax rates turning today's retirement savings into tomorrow's tax trouble. Proactive tax projections with a qualified advisor are key for those with retirement funds. #RetirementPlanning #Tax"  
[X Link](https://x.com/KurtSupeCPA/status/1722646720666865744)  2023-11-09T16:05Z 29.3K followers, [---] engagements


"Kurt Vonnegut once told this story about his friend Joseph Hellerthe author of Catch-22 one of the best-selling novels of the 20th century. At a billionaires party Vonnegut said: This hedge fund manager made more in one day than you made from Catch-22 in your entire life. Heller smiled: Maybe. But I have something hell never have enough. Thats the secret to retirement. Lets unpack it 🧵"  
[X Link](https://x.com/KurtSupeCPA/status/1958165549633994935)  2025-08-20T13:53Z 29.3K followers, 1.3M engagements


""Just do a backdoor Roth. It's easy and tax free." That Reddit advice cost unexpected taxes. High-earner contributed $7K to a traditional IRA then converted to Roth. Thought it would be tax-free. It wasn't. The problem He had $420K in an old rollover IRA he forgot about. Pro-rata rule: The IRS looks at ALL your traditional IRA balancesnot just the $7K you converted. Total IRA balance: $427K After-tax portion: $7K (1.6%) Taxable portion of conversion: $6888 At 35% tax bracket: $2411 in taxes instead of $0. But here's what REALLY hurt: The pro-rata rule now applies to EVERY distribution going"  
[X Link](https://x.com/KurtSupeCPA/status/1986420804150600096)  2025-11-06T13:10Z 29.3K followers, 19.6K engagements


"She called me in tears. "I owe $14000 more in taxes than I thought." Here's what happened: $50000 Social Security. $70000 IRA withdrawal. She calculated taxes on $70K. Seemed simple. But every dollar from her IRA made $0.85 of her Social Security taxable. Her actual taxable income $112500. The extra $42500 cost her $14000 she hadn't budgeted for. If she'd called me first or been my client we could've used QCDs to charity split the withdrawal across two years or pulled from brokerage instead. Your IRA withdrawals don't just add income. They multiply it"  
[X Link](https://x.com/KurtSupeCPA/status/1988227459070795829)  2025-11-11T12:49Z 29.3K followers, 47.8K engagements


""How much does long-term care cost" For memory care $7000-$12000 per month. For [--] years (the average) $588000-$1008000. For a couple if both need it Potentially $1.5M+. And Medicare pays exactly $0 of it. Ignoring it doesn't make it go away. It makes it catastrophic"  
[X Link](https://x.com/KurtSupeCPA/status/1988288108329116035)  2025-11-11T16:50Z 29.3K followers, 23K engagements


"Financial advisors in your 40s: "Max out your 401(k)" Financial advisors in your 60s: "We need to get money OUT of that 401(k)" What changed You spent [--] years building a tax bomb. Now we're trying to defuse it before RMDs hit at [--]. The advice that worked at [--] creates problems at 65"  
[X Link](https://x.com/KurtSupeCPA/status/1988652257639047439)  2025-11-12T16:57Z 29.3K followers, 108.5K engagements


"Private club membership: $85K initiation + $2100/month dues. Over [--] years of retirement: $589000. He came to me asking if he could "afford it." I showed him the math: That $589K invested would generate $35K/year in income during retirement. He kept the membership. But at least he knew the real cost. Every lifestyle choice has an opportunity cost. Most people never calculate it. https://twitter.com/i/web/status/1988956010166514156 https://twitter.com/i/web/status/1988956010166514156"  
[X Link](https://x.com/KurtSupeCPA/status/1988956010166514156)  2025-11-13T13:04Z 29.3K followers, 22.3K engagements


"A husband and wife came into my office with $890K IRA. No listed beneficiary. The kids are about to lose $120K unnecessarily. Here's what happens when you don't name beneficiaries: IRA goes to your estate (probate required) Estate pays creditors first Potential 5-year liquidation requirement Legal fees can pile up It may not go to the intended recipients This takes [--] minutes to fix. Check your beneficiaries TODAY. Not just IRAlife insurance 401(k)s annuities everything. The default rules are never in your family's favor"  
[X Link](https://x.com/KurtSupeCPA/status/1983924606034415763)  2025-10-30T15:51Z 29.3K followers, 24.4K engagements

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