Please stay tuned for important disclosure information at the conclusion of this episode.

Hi, and welcome to the Longview. I'm Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.

And I'm Amy Arnott, portfolio strategist for Morning Star. Our guests on the podcast today are Cody Garrett and Sean Mullaney.

They're both advice-only financial planners,

and they're the co-authors of a new book called Tax Planning to and through early retirement.

Cody is a certified financial planner and the founder of Measure Twice Money, where he helps

DIY investors make informed decisions aligned with their values. He also leads Measure

Twice Money, which is an educational community for financial planners. Sean Mullaney is a certified

public accountant and head of Mullaney Financial and Tax. He also writes the blog, fitaxguide.com,

which is focused on the intersection between financial independence and taxes.

Cody and Sean, welcome to the Longview.

Thanks for having us.

Thank you. So glad to be invited back.

Well, we're excited to have you here and to talk about your book, which is called Tax Planning

to and Through Early Retirement. So the book is focused on tax planning

and early retirement. And I'm wondering if you can talk about how you define that. There are people

who retire very young, like in their 40s, but there are also people who retire a little bit young,

like in their early 60s. So who are you pitching the book toward?

Yeah, that's right, Christine. So early retirement, for the sake of this book, we have to decide what are we defining as early retirement. We define that as any time before Medicare eligibility,

which is typically the month of your 65th birthday. So we actually found a study out there that was

kind of surprising that around 70% of Americans

report retiring before them both voluntarily and involuntarily. So I would say with that said,

...