Divorce the IRS
Welcome to Divorce the IRS, the Retirement Income Planning Podcast—built for people who want to pay the least amount of taxes possible and create retirement income that actually lasts. Inspired by Jimmy Miller’s bestselling book Divorce the IRS, this show takes you behind the scenes of the tax rules, retirement strategies, and planning decisions that can quietly determine how much of your money you keep.
The truth is, taxes aren’t just “something you deal with later.” The U.S. tax code is massive, confusing by design, and full of traps that can hit hardest right when you need your money most. From 401(k)s and IRAs to Social Security and Medicare, many common “smart moves” can turn into expensive surprises—like required minimum distributions, Medicare surcharges, the widow’s penalty, and other retirement tax time bombs most people don’t see coming until it’s too late.
With 20+ years of experience as a global wealth manager, Jimmy breaks these topics down in a clear, practical way—so you can plan proactively, avoid unnecessary taxes, and build a retirement where your delayed gratification finally pays off. Subscribe so you never miss an episode, and remember: this podcast is for general education only and isn’t legal, tax, or investment advice—always consult a qualified professional for guidance specific to your situation.
Episodes
30 episodes
Die Broke, Annuities, and Tax-Free Retirement Income
In this episode of the Divorce the IRS Podcast, Jimmy Miller discusses a retirement philosophy that has become increasingly popular: die broke, also known as die with zero.The idea behind this strategy is to maximize reti...
Real Estate, Retirement Income, and the IRS Problem
In this episode of the Divorce the IRS Podcast, Jimmy Miller continues the conversation from last week’s episode on the FIRE movement by taking a closer look at real estate investing and how it fits into the Divorce the IRS fram...
F.I.R.E. and Divorce the IRS: Building an Early Retirement Strategy
In this episode of the Divorce the IRS Podcast, Jimmy Miller breaks down the F.I.R.E. movement, which stands for Financial Independence Retire Early, and explains why the concepts in Divorce the IRS can be especially useful for ...
The Dividend Detail Your Index Strategy May Be Missing
Welcome back to The Divorce the IRS Podcast.In this episode, we build on the previous conversation about life insurance retirement plans and take a closer look at one of the most overlooked details in many index-based ins...
Should You Use Life Insurance for Retirement Income?
Many retirees and high-income earners are constantly searching for ways to build more tax-free income in retirement. One strategy that often enters the conversation is the Life Insurance Retirement Plan, better known as a LIRP. Prop...
The Rule of 55 Explained: A Little-Known IRS Exception
Many people spend years building up money inside their 401(k), only to discover that accessing those funds before age 59½ can trigger a costly 10% early withdrawal penalty.Fortunately, there are exceptions.In this episode of
The 72(t) Rule Could Change Your Retirement Tax Strategy
Most people assume that if they access retirement accounts before age 59½, they’ll automatically face a 10% early withdrawal penalty.That’s not always true.In this episode of The Divorce the IRS Podcast, we break d...
The Roth Conversion
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Mega Backdoor Roth Explained
One of the biggest misconceptions in retirement planning is the idea that high earners are locked out of Roth IRAs forever.They’re not.In this episode of The Divorce the IRS Podcast, we break down one of the most powerful advanced...
The Backdoor Roth IRA Strategy Explained
One of the biggest misconceptions in retirement planning is the idea that high earners are locked out of Roth IRAs forever.They’re not.In this episode of The Divorce the IRS Podcast, we break down one of the most w...
The Roth IRA Rules Everyone Needs to Understand
Most people know Roth accounts are “tax-free.”But very few people actually understand the rules that make them so powerful.In this episode of The Divorce the IRS Podcast, we continue building on the concept of the ...
The Ideal Number That Helps You Pay Less Tax in Retirement
Most people think the key to lowering taxes in retirement is simple: use Roth accounts.But what if the real strategy is more nuanced than that?In this episode of The Divorce the IRS Podcast, we break down one of th...
Tax Time Bomb 8: Paying Taxes from the Grave
What happens to your money after you pass away?For many families, the answer is more complicated and more costly than expected.In this episode of The Divorce the IRS Podcast, we break down the final tax time bomb, ...
Tax Time Bomb 7: The Widow’s Tax Penalty That Can Cost You More Even With Less Income
What happens to your taxes when one spouse passes away?For many couples, the answer is surprising and costly.In this episode of The Divorce the IRS Podcast, we break down one of the most overlooked risks in retirem...
Tax Time Bomb 6: Required Minimum Distributions (RMDs)
In this episode of The Divorce the IRS Podcast, we continue our series on retirement tax time bombs by breaking down one of the most overlooked triggers of higher taxes later in life—Required Minimum Distributions (RMDs)....
Tax Time Bomb 5: Medicare Premiums
In this episode of The Divorce the IRS Podcast, we continue our series on retirement tax time bombs with a surprise many people encounter around age 65—Medicare premium surcharges.While many assume Medicare is free, the r...
Tax Time Bomb 4: How Social Security Taxes Can Surprise Retirees
In this episode of The Divorce the IRS Podcast, we continue our series on the retirement tax time bombs that can quietly increase your tax bill later in life.Today’s focus is Tax Time Bomb #4: Social Security ta...
Tax Time Bomb 3: Sharing Your Retirement with the IRS
Many people spend decades building their retirement savings, believing the money in their IRA or 401(k) will fully belong to them once they stop working.But when retirement finally arrives, many retirees discover a difficult truth: a sig...
Tax Time Bomb 2: Early Withdrawal Penalties
Withdrawing from your retirement account may seem like a quick solution when life throws you a curveball. But what if that decision quietly costs you far more than you realize, both today and decades into the future?In this episode of
Tax Time Bomb 1: Exploding Tax Rates
Getting a tax deduction today feels responsible. But what if the bigger risk to your retirement is not how much you are paying in taxes now, but how much you might be forced to pay later?In this episode of The Divorce the IRS Podcast<...
Myth of the Lower Tax Bracket
Getting a tax deduction today feels smart. But what if the strategy you’ve been told will “save you money” is quietly setting you up to pay far more over your lifetime?In this episode of The Divorce the IRS Podcast, we ta...
The Hidden Risk of Year-by-Year Tax Advice
Getting a big tax refund feels good. But what if that short-term win is quietly costing you far more over your lifetime?In this episode of The Divorce the IRS Podcast, we explore why common tax ad...
A Crime Against Young People
Most young professionals are unknowingly setting themselves up for higher taxes later in life.In this episode of The Divorce the IRS Podcast, we break down one of the biggest financial planning mi...
