Ryan Sterling

speaker

807 appearances 4 recordings 1 series first heard Feb 2026 last heard 7 Sep

Ryan Sterling’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.

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Before the age of 59 and a half, you have to pay a penalty.

This is an account where I can put money in, I can let it grow, I cannot touch it until I'm in retirement.

But if I needed to, I can.

I can, I can, I can access this.

And it goes back to what I said before about life has a way of revealing itself.

And I like having optionality, I like having flexibility.

In addition, and this is happening with more frequency.

We're seeing more and more people who kind of reach that millionaire status in their 40s.

But there's a but.

And the but is all of their wealth is tied up in their home and their retirement accounts.

So they actually can't pay for an emergency.

They actually, if they lose their job, they don't have the flexibility to get through that storm.

If they wanted to do a mini sabbatical or do a mini retirement, they actually can't because they don't have the liquidity.

Or if they wanted to reach financial independence, called in their late 40s, early 50s.

And fully scale down, they actually can't because they can't access the money in the 401k without paying a penalty.

So this taxable brokerage account is another way to save for financial independence, to save for retirement, but it gives you maximum flexibility.

And the last thing I'll say is that there are also some tax strategies that you can use inside of a taxable account, like tax loss harvesting.

That you can't do in the retirement accounts.

So, yes, when you sell in a taxable account and you sell it a gain, you pay taxes on that gain.

But it works the other way as well, where if you sell something at a loss, you can use that loss to offset gains.

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