Root Talks: How Do Smart Retirees Handle Big One-Time Expenses?

Root Collective member Gary asks how to fund a $40K home remodel before retiring—should he use a taxable brokerage account, tax-deferred 401(k), Roth IRA, or cash? Ari and I break down how to handle big one-off expenses into a three-part framework: Portfolio Sustainability – Can your investments handle both recurring and one-time expenses? Investment Allocation – Ensure your assets are positioned to avoid selling at a loss. Tax Optimization – Withdraw strategically to minimize lifetime taxes. The key? Plan ahead, align financial decisions with long-term goals, and make the most of your retirement funds. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Gary R's question 2:52 - Can your retirement support it? 4:43 - How should investments be allocated? 6:28 - Have a tax strategy 8:54 - A caution; a reminder about sleep 12:03 - Intentionally set aside 14:23 - Mental hang-ups and biases 16:37 - The Collective Community Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!