Divorce the IRS

James Miller
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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

  1. Teaser

    6D AGO

    Teaser

    In this introductory episode of The Divorce the IRS Podcast, financial planner, author, and speaker Jimmy Miller lays the groundwork for a different way of thinking about retirement, taxes, and wealth. Inspired by his bestselling book Divorce the IRS, Jimmy explains why so many well-intentioned retirement savers unknowingly walk straight into tax traps—and how better planning can change the outcome. You’ve probably heard the saying, “Nothing is certain but death and taxes.” While that may be true, Jimmy argues that most people still have far more control over their tax future than they realize. With over 74,000 pages in the U.S. tax code, it’s no surprise that taxes are misunderstood, ignored, or pushed aside until it’s too late. And for millions of retirees, that lack of planning shows up right when they need their money most. In this episode, Jimmy challenges the traditional wisdom around 401(k)s and IRAs, explaining why tax-deferred accounts can feel more like loans from the IRS than true tax savings. He walks through how the tax system is designed to encourage certain behaviors, and why those same incentives can backfire later in life through higher taxes, reduced flexibility, and lost income. Drawing from more than 20 years of experience as a global wealth manager, Jimmy introduces some of the biggest “tax time bombs” facing retirees today, including: Taxation of Social Security benefitsRequired Minimum Distributions (RMDs)Medicare income-related surchargesThe widow’s penaltyEarly withdrawal penaltiesPaying taxes even after deathThis podcast expands on the themes of Divorce the IRS, offering real-world insight into how taxes impact retirement income and what proactive planning can do to protect your wealth. Jimmy’s mission is simple: help people keep more of what they’ve worked their entire lives to build and avoid giving the IRS more than necessary. If you want a retirement where your delayed gratification actually pays off—without constant interference from taxes—this podcast is your roadmap. It’s about creating a future where you’re confident, prepared, and ahead of the game. Resources & Next Steps Learn more and access additional tools at Divorce-The-IRS.com Visit BaobabWealth.com for retirement income planning insights Subscribe to the blog and podcast so you never miss an episode Disclosure Baobab Wealth and Baobab Wealth Abroad are DBAs of Baobab Wealth, LLC, a Florida Registered Investment Advisor. This podcast is for general educational purposes only and should not be considered legal, tax, or investment advice. Always consult a qualified tax professional or licensed financial advisor regarding your personal situation. Visit Divorce-the-IRS.com Visit Baobab Wealth Visit Baobab Wealth Abroad Buy a copy of Jimmy's book, Divorce the IRS Follow us on Facebook Subscribe to us on YouTube Connect with us on LinkedIn

    4 min
  • 1 Episode

About

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.

Information

  • Creator
    James Miller
  • Years Active
    2K
  • Episodes
    1
  • Rating
    Clean
  • Copyright
    © 2025 Divorce the IRS
  • Show Website
    Divorce the IRS