Dear Patriot,

Yesterday, we explored how your retirement zip code could cost—or save—you thousands in taxes and living expenses. But today, we’re going deeper into one of the biggest accounts retirees rely on: the 401(k).

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Fun Fact Of The Day

A poorly timed 401(k) withdrawal in retirement can raise your Medicare Part B premium by over $2,000 a year, all because your income crossed the IRMAA threshold. Timing matters.