{"podcast":{"title":"Retire With Style","slug":"retire-with-style-5225834","podcast_index_feed_id":5225834,"rss_url":"https://feed.podbean.com/retirewithstyle/feed.xml","website_url":"https://retirewithstyle.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/13684325/Retire_with_Style_Cover87fom.jpg","author":"Wade Pfau & Alex Murguia","episode_count":100,"summary":"The purpose of Retire With Style is to help you discover the retirement income plan that is right for you. The first step is to discover your retirement income personality. Your hosts Wade Pfau, PhD, CFA, RICP and Alex Murguia, PhD walk you through creating and implementing a retirement plan that will help you reach your goals, and that you’ll be able to stick with. Start by going to risaprofile.com/style and sign up to take the industry’s first financial personality tool for retirement planning.","last_synced_at":"2026-07-22T08:21:31.121809+00:00","page_url":"https://stenobird.com/podcast/retire-with-style-5225834"},"episode":{"title":"Episode 237: Should You Spend Your HSA or Let It Grow?","slug":"episode-237-should-you-spend-your-hsa-or-let-it-grow","published_at":"2026-07-14T19:13:52+00:00","page_url":"https://stenobird.com/podcast/retire-with-style-5225834/episode-237-should-you-spend-your-hsa-or-let-it-grow","show_page_url":"https://stenobird.com/podcast/retire-with-style-5225834","url":"https://retirewithstyle.podbean.com/e/episode-237/","audio_url":"https://op3.dev/e/mcdn.podbean.com/mf/web/4xj9wdjpk56ehdkc/Episode_237_Should_You_Spend_Your_HSA_or_Let_It_Grow8dfha.mp3","summary":"In this episode of ’Retire with Style’, Alex Murguia and Wade Pfau dive into tax planning strategies, focusing on Roth conversions, effective marginal tax rates, and withdrawal strategies for retirement. They discuss the implications of current tax rates, the importance of blending techniques in tax planning, and the necessity of tax diversification for a successful retirement. The conversation is driven by listener questions, providing practical insights for navigating complex tax scenarios in retirement. The conversation dives into various aspects of retirement planning, focusing on Roth IRAs, Health Savings Accounts (HSAs), and annuities. They discuss the rules surrounding Roth IRAs, particularly the five-year requirement for qualified distributions. The conversation shifts to HSAs, highlighting their tax benefits and strategies for spending versus saving. Finally, they explore the complexities of managing annuities in relation to Required Minimum Distributions (RMDs), emphasizing the importance of understanding contract values and the implications of delaying income streams from annuities. Takeaways Roth conversions can be beneficial for legacy planning. You need to work through the math of conversions. Tax rates are at a historical low right now. Blending techniques can optimize your tax strategy. You can’t just solve it mathematically. It’s complicated; we need better software. What’s my tax rate today versus in the future? Forty percent might be reasonable for Roth conversions. You want to always be blending your distributions. Tax diversification is crucial for retirement planning. You need to have had a Roth IRA open for at least five years. Inheriting HSAs can lead to tax implications for beneficiaries. HSAs provide tax-free distributions for qualified medica…","meta_description":"In this episode of ’Retire with Style’, Alex Murguia and Wade Pfau dive into tax planning strategies, focusing on Roth conversions, effective marginal tax…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2718,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/retire-with-style-5225834/episodes/episode-237-should-you-spend-your-hsa-or-let-it-grow/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/retire-with-style-5225834/episode-237-should-you-spend-your-hsa-or-let-it-grow.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}