What is *The New Retirement Savings Time Bomb* by Ed Slott about?

*The New Retirement Savings Time Bomb* by Ed Slott is a guide to protecting retirement savings from excessive taxes and penalties. It focuses on navigating complex IRA rules, required minimum distributions (RMDs), inherited IRAs, and recent legislative changes like the SECURE Act 2.0. The book offers actionable strategies to minimize tax erosion, such as Roth conversions and trust planning, ensuring retirees retain more of their hard-earned savings.

Who should read *The New Retirement Savings Time Bomb*?

This book is essential for retirees, pre-retirees, and financial advisors seeking to optimize tax-efficient retirement distributions. It’s particularly valuable for those with IRAs, 401(k)s, or inherited retirement accounts who want to avoid costly tax traps. Slott’s clear explanations of advanced strategies make it accessible for both professionals and individuals managing their own retirement planning.

Is *The New Retirement Savings Time Bomb* worth reading?

Yes, *The New Retirement Savings Time Bomb* is a must-read for its up-to-date, practical advice on retirement tax strategies. Ed Slott simplifies complex IRS rules and SECURE Act 2.0 updates, offering step-by-step plans to safeguard savings. Endorsed by experts like Christine Benz of Morningstar, it’s praised for turning dense tax code into actionable insights.

How does the SECURE Act 2.0 impact retirement savings?

The SECURE Act 2.0 delays RMDs to age 73 (2023) and 75 (2033), expands penalty-free withdrawals for emergencies, and modifies inherited IRA rules. Slott explains how these changes create new planning opportunities (e.g., Roth conversions) and pitfalls, emphasizing the need to adapt strategies to avoid unintended tax consequences.

What are the key strategies to defuse the retirement savings “time bomb”?

Slott advocates Roth IRA conversions, strategic charitable giving, and trust planning to reduce taxable income. He also stresses updating beneficiary designations, leveraging life expectancy tables for RMDs, and avoiding “stretch IRA” pitfalls under new inherited IRA rules. These steps help retirees keep more savings and minimize IRS penalties.

How does Ed Slott address inherited IRA challenges?

The book details how SECURE Act 2.0 requires most non-spouse beneficiaries to empty inherited IRAs within 10 years, eliminating the “stretch IRA.” Slott recommends tactics like partial Roth conversions, disclaimers, and conduit trusts to manage tax burdens for heirs, ensuring inherited accounts don’t trigger higher tax brackets.

What tax traps does Slott warn about in retirement planning?

Common traps include underestimating RMD penalties (up to 25%), failing to update beneficiary forms, and overlooking state inheritance taxes. Slott highlights how improper Roth conversions or missed deadlines can erode savings, urging proactive planning to avoid irreversible mistakes.

How does *The Retirement Savings Time Bomb* compare to other retirement guides?

Unlike generic retirement books, Slott’s guide focuses exclusively on tax-efficient distribution strategies post-SECURE Act 2.0. It pairs legal analysis with actionable steps, whereas titles like *The Retirement Income Blueprint* emphasize investment allocation over IRS rule navigation.

定年後のお金の爆弾

財務をコントロールし、不必要な税金を回避し、リタイアメント貯蓄に対する最新の脅威に立ち向かう方法

エド・スロット

3.81(320 Reviews)

『定年後のお金の爆弾』の概要

『The New Retirement Savings Time Bomb（新・退職金貯蓄の時限爆弾）』の中で、全米No.1の退職金エキスパートであるエド・スロットは、新しい税法がいかにあなたの貯蓄を脅かしているかを明らかにしています。ジーン・チャツキーは本書を「必読書」と呼んでいますが、その真の力はどこにあるのでしょうか？それは、税務署が徴収にやってきた際にあなたの資産を守る「5ステップ・アクションプラン」にあります。

語り方を選ぶ

1冊の本。さまざまな聴き方。

定年後のお金の爆弾の同じアイデアを、あなたに合う声・深さ・ペースで学べます。いつでも切り替えられます。

第1章

The Ticking Time Bomb in Your Retirement Portfolio

Every day, Americans watch their retirement accounts grow, often becoming their largest asset-surpassing even their homes. While most financial experts obsess over accumulation strategies and investment returns, they miss the critical second half of retirement planning: protecting those hard-earned savings from excessive taxation. As Ed Slott provocatively asks, what good is a 50% investment return if taxes claim 70-90% of your nest egg when you need it most? This question has become even more urgent since Congress passed the SECURE Act in 2019, which eliminated one of retirees' most valuable tax-planning tools-the stretch IRA. Think of retirement planning like golf: building assets is the "Front 9," but protecting them from taxation is the "Back 9" where you ultimately win or lose. With government deficits soaring from pandemic relief spending and historically low tax rates unlikely to continue, the stage is set for what Slott calls a retirement savings time bomb. This book, drawing from his 40+ years as a CPA and thousands of seminars, provides a comprehensive five-step strategy to defuse this bomb before it explodes, potentially destroying decades of careful saving.

第2章

The New Retirement Reality: How Congress Changed the Game

The SECURE Act of 2019 fundamentally altered retirement planning by breaking what many considered an implicit promise from the government. For decades, savers operated under a three-part understanding: they would get tax deductions for contributions, pay back taxes in small increments over their lifetimes, and allow beneficiaries to withdraw funds over their lifetimes through "stretch IRAs." This long-standing arrangement allowed families to create multi-generational wealth transfer strategies, with some IRAs lasting 50 years or more across generations. When Congress eliminated the stretch IRA option for most beneficiaries, it effectively performed a classic bait-and-switch that derailed countless careful retirement plans, forcing families to completely restructure their estate planning. This change wasn't about helping Americans secure their retirements-it was about securing government revenue. By forcing most non-spouse beneficiaries to empty inherited retirement accounts within 10 years rather than stretching distributions over their lifetimes, Congress ensured these funds would be taxed sooner and often at higher rates. For example, a 35-year-old inheriting a $1 million IRA must now withdraw the entire amount within a decade, potentially pushing them into higher tax brackets during their peak earning years, rather than taking smaller distributions over 40+ years. This represents a fundamental shift in how retirement assets transfer between generations and can result in tax bills hundreds of thousands of dollars higher than under the previous system. The timing couldn't be more concerning. Current tax rates are actually quite low by historical standards. From 1913's initial 7% top rate, taxes skyrocketed to 94% during World War II and remained above 90% during the baby boom years before gradually declining to today's 37% maximum. Looking at specific periods, the top marginal rate was 91% from 1951 to 1963, 70% throughout the 1970s, and 50% in the early 1980s. These relatively modest current rates cannot be sustained with mounting government debt, which exceeded $31 trillion in 2022, creating a perfect storm for future tax increases just as baby boomers begin withdrawing from their accounts en masse. Most Americans remain unaware of these threats until it's too late-like diners who continue eating at a restaurant with an unseen roach problem until the insects finally appear on their plates. By then, the damage is irreversible. The average retirement saver, focused on accumulation rather than distribution strategy, often overlooks these legislative changes until they directly impact their family. With proper planning, however, you can protect your retirement savings through strategies like Roth conversions, life insurance, charitable remainder trusts, and other tax-efficient vehicles to ensure your family, not the government, enjoys the fruits of your lifetime of labor. The key is understanding these new rules and acting before tax rates potentially rise even further.

聴きながら、すべての言葉を目で追えます

『定年後のお金の爆弾』の一語一語が音声に合わせてリアルタイムでハイライトされ、自然に読み進められます。

第3章

Four Critical Decisions for the Biggest Check of Your Life

When facing retirement or changing jobs, you'll likely receive the "Biggest Check of Your Life"-your retirement plan distribution. How you handle this critical moment will significantly impact your financial future. You have four primary options, each with distinct advantages and potential pitfalls. Option #1: Roll over to an IRA. This provides maximum flexibility and investment choices while maintaining tax deferral. To avoid problems, always use direct trustee-to-trustee transfers rather than 60-day rollovers, which come with dangerous restrictions including the once-per-year IRA rollover rule. Breaking this rule results in immediate taxation of your funds plus potential penalties, with no IRS relief available. Another hazard is the 20% mandatory withholding on distributions that aren't directly transferred-meaning you'd need to make up that 20% from other sources to complete a full rollover. Rolling to an IRA offers numerous benefits: simplified required minimum distributions (RMDs), flexible withholding options, unrestricted beneficiary designations, vastly expanded investment choices, Roth conversion flexibility, access to qualified charitable distributions, greater control over your funds, and access to specialized professional advice. Option #2: Stay in your company plan or move to a new employer's plan. This approach maintains employer plan rules and protections. The advantages include superior federal creditor protection, the ability to borrow from the plan (impossible with IRAs), access to affordable life insurance, delayed RMDs if you continue working past 72, and special early withdrawal provisions like the "age-55 exception" allowing penalty-free withdrawals if you left your job at 55 or older. Option #3: Take a lump-sum distribution and pay taxes now. While generally the most expensive approach, two special tax breaks can make this attractive in specific situations. The Net Unrealized Appreciation (NUA) strategy allows you to withdraw company stock from your qualified plan and pay ordinary income tax only on the original cost basis rather than current market value. The difference-called Net Unrealized Appreciation-gets taxed at the lower long-term capital gains rate when eventually sold. For example, if company stock originally cost $200,000 but is now worth $1 million, you'd pay ordinary income tax only on the $200,000 basis, with the $800,000 NUA portion qualifying for capital gains treatment. Option #4: Convert to a Roth IRA. This transforms tax-deferred savings into tax-free retirement funds for yourself and a tax-free legacy for heirs. While you'll pay taxes upfront, all future growth and withdrawals remain completely tax-free. This approach works best when you believe future tax rates will be higher than current rates-a reasonable assumption given historical patterns and government deficits.

第4章

Timing Is Everything: Strategic Withdrawal Planning

With retirement plan distributions, timing is critical. The required beginning date (RBD) marks when you must start taking required minimum distributions (RMDs) and pay tax on deferred earnings. For IRA holders, this occurs on April 1 following the year you turn 72. Missing your RMD triggers a severe 50% penalty on the amount you should have withdrawn. The period between ages 5912 and 72 represents a "sweet spot" with maximum flexibility-withdrawals are penalty-free but not yet required. Before 5912, distributions typically incur a 10% early-withdrawal penalty unless you qualify for exceptions like disability, certain medical expenses, qualified higher education, first-time home purchases, or health insurance during unemployment. Company plans offer unique exceptions including the "age-55 rule" allowing penalty-free withdrawals if you leave your job at or after 55. For those needing early access to retirement funds, Section 72(t) distributions provide a structured approach to penalty-free withdrawals at any age. By committing to substantially equal periodic payments for five years or until age 5912 (whichever is longer), you can access funds without the 10% penalty. However, this strategy requires careful consideration-breaking the payment schedule triggers retroactive penalties plus interest on all previous withdrawals. After 72, required minimum distributions become mandatory, calculated by dividing your prior year-end account balance by your life expectancy factor from the IRS Uniform Lifetime Table. For those with multiple IRAs, you calculate each separately but can withdraw the total from any combination of your accounts. However, beneficiary IRAs must be handled separately, and RMDs from different account types (like IRAs vs. 401(k)s) cannot be combined. Strategies to reduce RMD tax impact include Qualified Charitable Distributions (QCDs), which allow direct transfers from IRAs to charities (up to $100,000 annually) that satisfy RMD requirements without increasing taxable income. Qualifying Longevity Annuity Contracts (QLACs) can reduce RMD amounts by excluding up to 25% of your account balance (maximum $135,000) from calculations until payments begin, typically at age 85.

『定年後のお金の爆弾』をもっと深く楽しむ

毎日の新しい気づきを10万件以上のレッスンから
言葉をハイライトして音声と同期
ライブラリを保存して、どの端末からでも利用

第5章

The SECURE Act Revolution: New Beneficiary Rules

The SECURE Act dramatically changed how retirement accounts pass to beneficiaries by eliminating the "stretch IRA" for most non-spouse inheritors. Instead of taking distributions over their lifetime, most beneficiaries must now empty inherited accounts within 10 years of the owner's death. The IRS now categorizes beneficiaries into three types with different distribution rules: 1. Eligible Designated Beneficiaries (EDBs): These "beneficiary royalty" include surviving spouses, minor children (not grandchildren), disabled or chronically ill individuals, and beneficiaries not more than 10 years younger than the account owner. They can still use the stretch IRA, taking distributions over their life expectancy. 2. Non-Eligible Designated Beneficiaries (NEDBs): This includes most individual beneficiaries like adult children, grandchildren, or qualifying trusts. They must follow the 10-year rule, emptying inherited accounts within ten years after the owner's death, with no annual RMDs required during this period-only a "100% RMD" in year ten. 3. Non-Designated Beneficiaries (NDBs): These "serfs" of beneficiaries include estates, charities, and non-qualifying trusts. When an IRA owner dies before their required beginning date, the 5-year rule applies-the account must be emptied by December 31 of the fifth year after death. If death occurs after the RBD, distributions follow the deceased owner's remaining "ghost life expectancy." Surviving spouses maintain the most options, including rolling over the funds (making them their own), treating the account as their own without moving assets, or remaining a beneficiary. As beneficiaries, spouses can recalculate their life expectancy annually using the Single Life Expectancy Table, providing more favorable distribution terms than the fixed-term approach required for non-spouse beneficiaries. Despite these changes, properly naming beneficiaries remains crucial. At minimum, having designated beneficiaries locks in the 10-year rule rather than potentially worse options. Designated beneficiaries also avoid potential disinheritance, bypass probate, minimize estate administration costs, and gain flexibility in timing distributions within the 10-year period to manage tax implications.

第6章

The Roth Revolution: Congress's Best Gift to Taxpayers

The Roth IRA represents the single best gift Congress has ever presented to American taxpayers. It allows building retirement accounts that grow to incredible size and remain free of income tax forever. The only catch is paying income tax upfront, but recent tax law changes have made this more palatable for most people. While traditional IRAs provide tax deductions when contributing but tax withdrawals, Roth IRAs work in reverse-you pay tax upfront, but all future growth and withdrawals are completely tax-free for you and your beneficiaries. This approach is superior because most people actually end up in higher tax brackets during retirement due to combined income sources, and Roth withdrawals remain completely tax-free. Despite clear advantages, many Americans hesitate to start Roth IRAs due to concerns about Congress changing the rules, the upfront tax hit, or uncertainty about long-term benefits. While tax laws can change, Roth IRAs are likely to remain politically protected. Taxing them would be politically risky and counterproductive since the government already takes its cut upfront. Roth IRAs come in two varieties: contributions and conversions. While contributions are limited to $6,000 annually (2021) for those with incomes below certain thresholds, conversions offer unlimited potential. Even those above income limits can use "back-door" Roth strategies by making nondeductible traditional IRA contributions then converting them. Converting before age 72 avoids required minimum distribution complications. Once you reach 72, any withdrawals up to your RMD amount cannot be converted to a Roth-they must be taken as distributions. Only amounts exceeding your RMD can be converted. The Tax Cuts and Jobs Act eliminated "recharacterizations" that once allowed undoing Roth conversions, making these decisions permanent. Withdrawals from a Roth IRA are tax-free if they're qualified distributions, meaning the funds were held for more than five years AND you're at least 5912, disabled, using them for a first-time home purchase, or the distribution occurs after your death. Unlike traditional IRAs, there are no lifetime-distribution requirements for Roth owners-you can withdraw as much as you want anytime or nothing at all.

聴きながら、すべての言葉を目で追えます

『定年後のお金の爆弾』の一語一語が音声に合わせてリアルタイムでハイライトされ、自然に読み進められます。

第7章

Life Insurance: The New Stretch IRA Alternative

With the SECURE Act's elimination of the stretch IRA for most beneficiaries, life insurance has emerged as a powerful alternative for transferring wealth to the next generation. This strategy transforms a poor estate-planning asset (traditional IRA) into an excellent one (life insurance) by strategically drawing down IRA funds over several years to minimize tax impact, then using these after-tax funds to purchase permanent, cash-value life insurance. Life insurance offers numerous advantages over leaving IRAs directly to beneficiaries: proceeds are income-tax-free to beneficiaries and potentially estate-tax-free if paid to an irrevocable trust; the death benefit isn't subject to SECURE Act limitations; payouts provide tax-free certainty for your beneficiaries; and the strategy often results in more funds going to beneficiaries with fewer taxes than if an IRA was left directly to them. This strategy works best for those over 5912 (to avoid early withdrawal penalties) but under 72 (before required minimum distributions begin)-the "planning sweet spot" when you have maximum IRA flexibility. Remember, you cannot buy life insurance directly with IRA money; you must withdraw funds, pay income tax, then use the after-tax amount for premiums. To keep life insurance proceeds estate-tax-free, consider having your beneficiaries own the policy rather than owning it yourself. For young beneficiaries or when you want post-death control, set up an irrevocable life insurance trust (ILIT). The key is that you don't own the insurance when it pays off, excluding proceeds from your estate. Consider Ralph and Sadie's scenario: Ralph has a $1 million IRA and few other assets. By naming their daughter Ruby as the IRA beneficiary and buying a $1 million life insurance policy for Sadie, the family creates more wealth. Sadie gets tax-free insurance proceeds instead of a tax-burdened IRA. After Ralph's death, Sadie can use some insurance money to buy her own policy naming Ruby as beneficiary, potentially creating another $1 million in tax-free money. This strategy transforms a single IRA into a tax-free family fortune.

第8章

Estate Planning in the New Tax Environment

Estate planning for retirement savings requires understanding that your estate may be larger than you think and staying current with ever-changing tax laws. Estate tax exemptions have fluctuated dramatically over time-2010 saw no estate tax at all, followed by a $5 million exemption through 2017, then doubled to $10 million per person ($20 million per couple plus inflation) under the Tax Cuts and Jobs Act. However, these generous exemptions will revert to previous levels after 2025. A crucial "game changer" is portability between spouses-allowing a surviving spouse to use their deceased spouse's unused exemption. This requires filing Form 706 (estate tax return) even when not otherwise required. Without this filing, the surviving spouse forfeits the ability to add the deceased spouse's unused exemption to their own. With federal estate tax exemptions now at $10+ million per person and portable between spouses, most married couples can simply name each other as IRA beneficiaries without federal estate tax concerns. However, estate planning involves more than just tax avoidance. Consider your specific situation: long-term marriages with financially savvy spouses may benefit from simple beneficiary designations, while blended families with children from previous marriages might need trusts to protect inheritances. While federal estate tax exemptions are high, many states impose their own estate taxes with much lower exemptions-New York's is around $6 million and lacks portability. Without proper planning using credit shelter trusts, a couple could waste one spouse's state exemption. For example, a New York couple with an $8 million IRA could face $800,000 in unnecessary state estate tax if they don't use credit shelter trusts to maximize both spouses' state exemptions. The Income in Respect of a Decedent (IRD) deduction helps offset double taxation on inherited retirement accounts. Unlike most inherited assets that receive a step-up in basis, IRAs and other IRD items retain the decedent's basis. The IRD deduction allows beneficiaries to deduct any federal estate tax paid on these accounts. With today's higher exemptions, fewer beneficiaries qualify for this deduction, but those who do should claim it.

『定年後のお金の爆弾』をもっと深く楽しむ

毎日の新しい気づきを10万件以上のレッスンから
言葉をハイライトして音声と同期
ライブラリを保存して、どの端末からでも利用

第9章

Trusts as IRA Beneficiaries: A New Reality

Most people don't need to name trusts as IRA beneficiaries. It's expensive, complicated, and offers no tax benefits that can't be achieved without a trust. The only valid reasons for using an IRA trust are personal: protecting assets from beneficiaries who are minors, mentally incompetent, or prone to squandering money. The SECURE Act has fundamentally changed IRA trust planning by eliminating the stretch IRA option for most beneficiaries. Now, designated beneficiaries must empty inherited accounts within 10 years, with no annual RMDs during this period. This creates a tax dilemma for trusts: either the trust pays high trust tax rates on funds kept inside (reaching the highest bracket at just $13,000), or distributions to beneficiaries sacrifice the protection the trust was designed to provide. Conduit trusts no longer work for both post-death control and tax minimization. With no annual RMDs under the new law, conduit trusts will release no funds until year 10, when 100% must be distributed-first to the trust, then immediately to beneficiaries. This creates a tax nightmare with all income bunched in one year, plus it completely undermines the protection purpose since all funds leave the trust. Given these challenges, consider these alternatives to IRA trusts: 1. Spouse as Beneficiary: Since surviving spouses are EDBs exempt from the 10-year rule, changing beneficiaries from children or grandchildren to your spouse can extend the time before an inherited IRA must be fully taxed and distributed. 2. Roth Conversions: For funds that must go to a trust, Roth IRAs prove superior. Convert traditional IRA funds to Roth at today's low tax rates, then leave these to a discretionary trust. While the 10-year distribution rule still applies, all distributions to the trust or beneficiaries will be tax-free. 3. Life Insurance: Life insurance emerges as the big winner post-SECURE Act, especially for trust planning. IRA funds can be withdrawn at low tax rates over several years, with after-tax funds funding permanent life insurance that provides post-death control, tax elimination, and larger inheritances. 4. Charitable Remainder Trust (CRT): For charitably inclined individuals, leaving an IRA to a charitable remainder trust avoids immediate taxation, allowing more funds to benefit both charity and beneficiaries. CRTs simulate the stretch IRA with yearly payouts to beneficiaries for a term of years or life. 5. Leave Your IRA Directly to a Charity: Traditional IRAs are ideal assets to leave directly to charity since they're loaded with taxes and complex rules for individual beneficiaries. Since charities don't pay taxes when they inherit, the only loser is Uncle Sam.

第10章

When Things Don't Go as Planned

Life rarely goes according to plan, and retirement planning is no exception. When facing unexpected challenges, it helps to understand your options for early distributions, handling market losses, or correcting mistakes. For those needing early access to retirement funds, Section 72(t) distributions provide a structured approach to penalty-free withdrawals at any age. By committing to substantially equal periodic payments for five years or until age 5912 (whichever is longer), you can access funds without the 10% penalty. However, this strategy requires careful consideration-breaking the payment schedule triggers retroactive penalties plus interest on all previous withdrawals. When retirement accounts lose value, tax relief options are limited. For those on 72(t) payment schedules, market declines can create problems if your account lacks sufficient funds for required payments. Fortunately, IRS Revenue Ruling 2002-62 allows a one-time switch to the minimum-distribution method, which adjusts future payments based on updated account balances without triggering penalties. If you miss a required minimum distribution, don't panic-the IRS often waives the 50% penalty for honest mistakes. Take the distribution immediately, report it on your tax return, and attach Form 5329 with an explanation. The IRS typically grants this "get-out-of-jail-free card" if you're honest. Critically, Form 5329 has its own signature line and is treated as a separate tax return-if you don't file it, there's no statute of limitations, meaning the problem never goes away. For excess IRA contributions, the critical deadline is October 15 of the year following the contribution year. Before this deadline, you can either withdraw the contribution (with earnings) or recharacterize it to another IRA type. After the deadline, you'll face a 6% penalty for each year the excess remains in the IRA, with limited correction options. While alternative IRA investments like real estate or private equity are technically allowed, they present numerous complications including annual fair-market-value reporting requirements, prohibited transaction risks, and liquidity challenges for required distributions. Proceed with extreme caution in this area, as the IRS provides minimal guidance while custodians take a hands-off approach, creating significant risk. The retirement landscape continues to evolve, but with proper planning and understanding of the rules, you can navigate these changes successfully and protect your hard-earned savings from excessive taxation. Remember: it's not just about how much you accumulate-it's about how much you keep.

★★★★★

『定年後のお金の爆弾』を最後まで読み終えました

100万人以上の学習者に愛用されています

“23日間、毎日使い続けています。今では日課の一部です。”

jayallen

『定年後のお金の爆弾』の主要テーマ

tax distribution strategies
generational wealth transfer
roth conversion planning
retirement asset protection
legislative tax risk

『定年後のお金の爆弾』の名言

What good is a 50% investment return if taxes claim 70-90%?
Congress broke what many considered an implicit promise.
This change wasn't about helping Americans secure their retirements.
Timing is everything.
Roth IRA: tax-free legacy for heirs.

『定年後のお金の爆弾』の登場人物

Ed SlottAuthor, CPA, and retirement tax planning expert

著者について

公認会計士であり、ベストセラー『The New Retirement Savings Time Bomb』の著者であるエド・スロット（Ed Slott）氏は、全米で認められたIRA（個人退職勘定）引き出しの専門家であり、リタイアメント・プランニングの権威です。アメリカン・カレッジ・オブ・フィナンシャル・サービシズの実務教授を務めるスロット氏は、数十年にわたる税務戦略の専門知識と、複雑な退職後のルールを実行可能なガイダンスへと翻訳する才能を兼ね備えています。

彼の活動は、不必要な税金から貯蓄を守るための力を個人に与えることに焦点を当てており、それは『Ed Slott’s Retirement Decisions Guide』や『Fund Your Future: A Tax-Smart Savings Plan in Your 20s and 30s』といった著書の中心的なテーマとなっています。

Ed Slott and Companyの創設者として、彼は「Elite IRA Advisor Group」を通じて500名以上の金融専門家を育成しており、『ウォール・ストリート・ジャーナル』紙からは「IRAアドバイスの最高の情報源」と称賛されています。PBSの番組ホストやメディア・コメンテーターとしても頻繁に活動しており、彼の公共テレビ特番や全米各地でのワークショップは、何百万人もの人々に税効率の高いリタイアメント生活を確保する方法を伝えてきました。彼の最新の戦略は、全米の金融機関やアドバイザーから信頼を寄せられています。

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@Erin, Investment Banking Associate , NYC

254

"Feels effortless compared to reading. I’ve finished 6 books this month already."

@djmikemoore

"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."

@Pitiful

4.5K

"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."

@SofiaP

"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"

@Jaded_Falcon

201

"It is great for me to learn something from the book without reading it."

@OojasSalunke

"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."

@Leo, Law Student, UPenn

483

"Makes me feel smarter every time before going to work"

@Cashflowbubu

BeFreedがウェブ上でどのように話題になっているかをもっと見る

コロンビア大学卒業生がサンフランシスコで開発

LOVED BY

1,000,000+ curious minds.

4.7

avg rating

1M+ learners

"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."

@Moemenn

"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."

@Chloe, Solo founder, LA

117

"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."

@Raaaaaachelw

"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."

@Matt, YC alum

108

"Reading used to feel like a chore. Now it’s just part of my lifestyle."

@Erin, Investment Banking Associate , NYC

254

"Feels effortless compared to reading. I’ve finished 6 books this month already."

@djmikemoore

"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."

@Pitiful

4.5K

"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."

@SofiaP

"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"

@Jaded_Falcon

201

"It is great for me to learn something from the book without reading it."

@OojasSalunke

"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."

@Leo, Law Student, UPenn

483

"Makes me feel smarter every time before going to work"

@Cashflowbubu

"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."

@Moemenn

"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."

@Chloe, Solo founder, LA

117

"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."

@Raaaaaachelw

"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."

@Matt, YC alum

108

"Reading used to feel like a chore. Now it’s just part of my lifestyle."

@Erin, Investment Banking Associate , NYC

254

"Feels effortless compared to reading. I’ve finished 6 books this month already."

@djmikemoore

"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."

@Pitiful

4.5K

"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."

@SofiaP

"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"

@Jaded_Falcon

201

"It is great for me to learn something from the book without reading it."

@OojasSalunke

"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."

@Leo, Law Student, UPenn

483

"Makes me feel smarter every time before going to work"

@Cashflowbubu

"Instead of endless scrolling, I just hit play on BeFreed. It saves me so much time."

@Moemenn

"I never knew where to start with nonfiction—BeFreed’s book lists turned into podcasts gave me a clear path."

@Chloe, Solo founder, LA

117

"Perfect balance between learning and entertainment. Finished ‘Thinking, Fast and Slow’ on my commute this week."

@Raaaaaachelw

"Crazy how much I learned while walking the dog. BeFreed = small habits → big gains."

@Matt, YC alum

108

"Reading used to feel like a chore. Now it’s just part of my lifestyle."

@Erin, Investment Banking Associate , NYC

254

"Feels effortless compared to reading. I’ve finished 6 books this month already."

@djmikemoore

"BeFreed turned my guilty doomscrolling into something that feels productive and inspiring."

@Pitiful

4.5K

"BeFreed turned my commute into learning time. 20-min podcasts are perfect for finishing books I never had time for."

@SofiaP

"BeFreed replaced my podcast queue. Imagine Spotify for books — that’s it. 🙌"

@Jaded_Falcon

201

"It is great for me to learn something from the book without reading it."

@OojasSalunke

"The themed book list podcasts help me connect ideas across authors—like a guided audio journey."

@Leo, Law Student, UPenn

483

"Makes me feel smarter every time before going to work"

@Cashflowbubu

BeFreedがウェブ上でどのように話題になっているかをもっと見る

今すぐ学習の旅を始めよう

第2章

定年後のお金の爆弾

概要『定年後のお金の爆弾』の概要

1冊の本。さまざまな聴き方。

The Ticking Time Bomb in Your Retirement Portfolio

The New Retirement Reality: How Congress Changed the Game

聴きながら、すべての言葉を目で追えます

Four Critical Decisions for the Biggest Check of Your Life

Timing Is Everything: Strategic Withdrawal Planning

『定年後のお金の爆弾』をもっと深く楽しむ

The SECURE Act Revolution: New Beneficiary Rules

The Roth Revolution: Congress's Best Gift to Taxpayers

聴きながら、すべての言葉を目で追えます

Life Insurance: The New Stretch IRA Alternative

Estate Planning in the New Tax Environment

『定年後のお金の爆弾』をもっと深く楽しむ

Trusts as IRA Beneficiaries: A New Reality

When Things Don't Go as Planned

『定年後のお金の爆弾』を最後まで読み終えました

『定年後のお金の爆弾』の主要テーマ

『定年後のお金の爆弾』の名言

『定年後のお金の爆弾』の登場人物

著者について

定年後のお金の爆弾の要約をダウンロード

他のユーザーのお気に入り

この本に関するよくある質問

What is The New Retirement Savings Time Bomb by Ed Slott about?

Who should read The New Retirement Savings Time Bomb?

Is The New Retirement Savings Time Bomb worth reading?

How does the SECURE Act 2.0 impact retirement savings?

もっと見る

1,000,000+ curious minds.

1,000,000+ curious minds.

1冊の本。さまざまな聴き方。

The Ticking Time Bomb in Your Retirement Portfolio

The New Retirement Reality: How Congress Changed the Game

聴きながら、すべての言葉を目で追えます

Four Critical Decisions for the Biggest Check of Your Life

Timing Is Everything: Strategic Withdrawal Planning

『定年後のお金の爆弾』をもっと深く楽しむ

The SECURE Act Revolution: New Beneficiary Rules

The Roth Revolution: Congress's Best Gift to Taxpayers

聴きながら、すべての言葉を目で追えます

Life Insurance: The New Stretch IRA Alternative

Estate Planning in the New Tax Environment

『定年後のお金の爆弾』をもっと深く楽しむ

Trusts as IRA Beneficiaries: A New Reality

When Things Don't Go as Planned

『定年後のお金の爆弾』を最後まで読み終えました

他のユーザーのお気に入り

もっと見る

『定年後のお金の爆弾』の概要