There’s a lot of enthusiasm for Roth IRA conversions and Mega Backdoor Roth IRAs—and for good reason. Paying taxes upfront on your retirement accounts can be a savvy move, especially if you’re in a mid-to-lower federal income tax bracket, as it allows for tax-free withdrawals in the future.

That said, thanks to the latest standard deduction amounts and income thresholds for paying no long-term capital gains tax, more Americans now have the opportunity to make larger tax-free withdrawals from their taxable brokerage accounts. For 2025, that tax-free income amount is up to $68,860 for a single person and $126,700 for a married couple.

The vast majority of Americans could live comfortably in retirement on $68,860 or $126,700. After all, the median individual income in our country is about $43,000 before taxes.

This article will show you how to earn and withdraw six figures while paying no taxes. I’ll also provide a guide

Keep reading this article on Financial Samurai.