Category 12
Retirement-account income strategies
Not investments — the tax wrappers that decide how much of the income you keep.
Everything in this category is paid the same way, so what separates one page from the next is the wrapper rather than where the money comes from: how much it takes to start, how quickly you could turn it back into cash, who does the work, how it is taxed, and how it fails. The line on each card says whether the income keeps arriving once it is set up or whether somebody has to keep working for it. If the mechanism itself is new to you, the course spends a whole lesson on it and is a shorter way in than any single page here.
Traditional IRA Distributions
Withdrawals from a pre-tax individual retirement account, where the cash comes from whatever the account holds and the taxable portion is treated as ordinary income in the year it leaves.
Read →Roth IRA Income Investments
Income-producing assets held inside a Roth IRA, funded with money already taxed, where qualified distributions of both the contributions and the earnings come out free of federal income tax.
Read →401(k) Income Portfolios
Building an income-producing portfolio inside an employer plan, where the menu is chosen by the plan sponsor and every dollar of interest and dividends compounds inside the trust untaxed.
Read →Solo 401(k) Investments
A one-participant 401(k) for an owner-only business, where you are simultaneously the employer, the employee and the trustee, and the plan document decides what the trust can hold.
Read →Self-Directed IRA Real Estate and Private Credit
An IRA held at a specialty custodian that owns rental property, private notes or fund interests instead of listed securities, so the rent or loan interest lands inside the tax wrapper.
Read →Pension Income
A defined-benefit promise from a current or former employer: a monthly payment computed from a formula and paid for life, rather than a balance you own and draw down.
Read →Required Minimum Distributions
The statutory deadline on tax deferral: once you reach the required age, a calculated slice of each pre-tax retirement account must leave it every year and be taxed.
Read →