Leibel on FIRE

Leibel Sternbach, EA & Freddie Bell
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The Financial Independence and Retirement show dedicated to helping you build the life of your dreams, as fast as possible, with as little stress as possible

  1. Market Crashes and Inherited IRAs

    6D AGO

    Market Crashes and Inherited IRAs

    In this episode of Leibel on Fire, host Freddie Bell and Amazon bestselling author Leibel Sternbach flip the conventional wisdom of 'don't time the market' when dealing with inherited IRAs. They discuss how market downturns can be your greatest wealth-building opportunity by focusing on tax efficiency and market timing during these periods. Learn the importance of being prepared, executing timely transactions, and planning your financial moves to outsmart government planning. Visit yields4u.com for personalized retirement and tax SWOT analysis.

    14 min
  2. Why Market Crashes May Be the Best Time to Act on an Inherited IRA

    12/23/2025

    Why Market Crashes May Be the Best Time to Act on an Inherited IRA

    You’ve heard it your whole life: Don’t time the market. But when it comes to inherited IRAs, following that advice blindly could cost you hundreds of thousands of dollars in unnecessary taxes. In this episode of Leibel on Fire, Leibel Sternbach explains why market downturns can actually be one of the most powerful planning opportunities for retirees and beneficiaries of inherited IRAs. We flip conventional wisdom on its head and show how timing market declines can reduce taxes, improve Roth conversion outcomes, and help you keep more of your money away from Uncle Sam. Leibel breaks down: Why investment advice and tax strategy are not the same thing How predictable market corrections can be used strategically When it makes sense to take distributions or do Roth conversions The biggest mistake inherited IRA owners make—and how to avoid it Why preparation matters more than prediction If you’ve inherited an IRA—or expect to—this conversation could fundamentally change how you think about market volatility and retirement taxes. If you want to know how this strategy applies to your situation, Leibel and his team offer a free retirement and tax SWOT analysis to help you identify opportunities, risks, and next steps.

    13 min
  3. The Strategic Roth Conversion Playbook: How to Build a Tax-Free Legacy

    12/15/2025

    The Strategic Roth Conversion Playbook: How to Build a Tax-Free Legacy

    What if you could leave your children a seven-figure inheritance—completely tax free? In this episode of Leibel On Fire, Leibel Sternbach reveals the Strategic Roth Conversion Playbook, a method designed to transform your traditional retirement accounts into a tax-free legacy for the next generation. Leibel explains why Roth conversions aren’t just an income strategy—they’re one of the most powerful legacy planning tools available. You’ll learn how choosing when and how to pay taxes can dramatically reduce your family’s future tax burden, why timing conversions during market downturns is essential, and how the right advisor can help you take advantage of tax laws most investors overlook. If you want your wealth to stay in your family instead of being swallowed by taxes, this episode shows you exactly how to start planning.

    17 min
  4. Retirement Shield Strategy: Protect Your Future from Market Volatility

    12/08/2025

    Retirement Shield Strategy: Protect Your Future from Market Volatility

    In this episode of Leibel on Fire, Leibel Sternbach breaks down the Retirement Shield Strategy—an approach designed to protect your lifestyle, your loved ones, and your long-term wealth from the unexpected. Discover how layered protection, time diversification, and smart planning can help you withstand market corrections, inflation, and tax changes without sacrificing your peace of mind. You’ll learn how to structure your assets across different time horizons, why timing matters when replenishing investment buckets, and how Roth conversions become even more powerful when paired with this strategy. This episode reveals why most advisors don’t implement this approach—and what it really takes to create a resilient retirement plan that grows even in uncertain times. If you're planning for retirement and want a strategy built to protect you no matter what comes your way, this is the episode you can’t afford to miss.

    17 min
  5. Home Transfers, Taxes, and Inheritance

    09/23/2025

    Home Transfers, Taxes, and Inheritance

    When a parent transfers a home to a child, it may feel like a simple title change—but the tax rules aren’t so simple. In this episode of Leibel on Fire, Leibel Sternbach breaks down what you really need to know: Do you need to report the transfer to the IRS? How do gift tax rules and lifetime exemptions work? What happens if you sell the home later? Why inheriting property may sometimes be better than receiving it as a gift. Leibel also shares tips on estate planning, cost basis, and how to avoid costly mistakes when passing down property.

    15 min
  6. How to Unlock 0% Capital Gains in 2025

    09/16/2025

    How to Unlock 0% Capital Gains in 2025

    The proposed 0% capital gains rate for 2025 could be a game-changer for retirees. In this episode, Leibel Sternbach explains what the 0% capital gains bracket really means, who qualifies, and how you can take advantage of it. We break down income thresholds, tax planning strategies, and the ripple effects on Social Security and Medicare premiums. If you’re retired—or planning your retirement—this episode is essential listening. Learn how to position yourself now so you don’t miss out on this limited opportunity.

    16 min
  7. Navigating Roth Conversions and the SALT Deduction Cap for Retirees

    09/09/2025

    Navigating Roth Conversions and the SALT Deduction Cap for Retirees

    Balancing Roth conversions with the $40,000 SALT deduction cap can be tricky for retirees—especially if you live in a high-tax state like California or New York. In this episode of Leibel on Fire, financial planner Leibel Sternbach breaks down how Roth conversions may reduce or even eliminate your state and local tax deductions, why that matters, and what strategies retirees can use to protect their income. You’ll discover: How the SALT cap impacts retirees in high-tax states Why Roth conversions can push you into higher income brackets and shrink deductions The calculus of deciding whether Roth conversions are worth it in your unique situation Strategies to balance today’s tax hit with tomorrow’s financial freedom

    14 min
  8. Cut Taxes While Giving Back

    09/04/2025

    Cut Taxes While Giving Back

    In this episode of Leibel On Fire, Leibel Sternbach and Freddie Bell explore smart strategies for charitable giving in retirement. Learn how tools like Qualified Charitable Distributions (QCDs), appreciated asset donations, and donor-advised funds can reduce your tax burden, satisfy Required Minimum Distributions (RMDs), and help you make a lasting impact. Discover how to align your giving with your values, avoid common mistakes retirees make, and even create a living legacy that extends beyond your lifetime.

    11 min
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About

The Financial Independence and Retirement show dedicated to helping you build the life of your dreams, as fast as possible, with as little stress as possible

Information

  • Creator
    Leibel Sternbach, EA & Freddie Bell
  • Years Active
    2022 - 2025
  • Episodes
    122
  • Rating
    Clean
  • Copyright
    © 2026 Yields For Your, LLC
  • Show Website
    Leibel on FIRE