Jan 1 / The BALD BULL

#11 The Tax-Free Trading Secret Your 401k Doesn’t Want You to Know About

Learn my proven trading system that lets you grow your Roth IRA into a shade of wealth—covering your life’s goals while Uncle Sam stays away from your profits.

"Managing your 401k without managing your taxes is like running a marathon with untied shoelaces—success is possible, but costly missteps are inevitable." 

                                                          | Unknown


# 11
How to Make Every Day a Tax-Free Time Freedom Day (And Why I’m Obsessed with the Roth IRA)

“Someone is sitting in the shade today because they planted a tree long ago.” 
                              |  Warren Buffett

First of all, shout-out to Warren for always saying things that make me feel smarter just by quoting him. But let’s break this down: The “tree” is your financial future, and the “shade” is… not owing Uncle Sam a dime in taxes when you’re finally ready to chill. Sounds nice, right?

I’m here to tell you that the ultimate shade tree isn’t just a metaphor—it’s called your "Roth IRA." And if you learn to trade your Roth IRA, every day after 55 can be a "Tax-Free" Time Freedom Day.
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Why Roth IRAs Are the GOAT of Retirement Accounts

Here’s the deal: When you trade within a Roth IRA, all your profits grow "TAX-FREE."

No capital gains tax.


No income tax.


Just sweet, unbothered growth. It’s like a secret club where the IRS isn’t invited.

But let me share a personal story to bring this to life—and yes, it involves a little bit of humor and a lot of learning.

How I Accidentally Bought My “Tax-Free Shade Tree”

A few years back, I was at the crossroads of financial adulting and Netflix binging. I decided to finally open a Roth IRA because, honestly, everyone kept saying it was the smart thing to do
At first, I was clueless. I was like, “So, I just park my money here and let it hang out?” But then I discovered I could actively trade in my Roth IRA—turning it into a tax-free money machine. That’s when things got interesting.

One day, I decided to trade the QQQ (it’s a fund that tracks the Nasdaq 100 for all my non-nerds out there).

Here’s what went down:
  • I bought 10 shares at $350 each.
  • A few weeks later, the QQQ shot up to $400.

  • That’s a cool $500 profit.

And the best part? ZERO taxes owed.

Nada. Zilch.
It hit me:

Every trade in my Roth IRA wasn’t just making me richer...
it was making me richer tax-free.

I felt like I’d unlocked the cheat code to life.

Then being the engineer that I am, I said...
"What if we put some leverage on that?"

Let's do the same thing with options.  Not a lot of leverage but enough to up my lifestyle a few points. 

And guess what?

A few hundred dollars profit snowballed.

Doing the same thing ... over and over... and the $1KWAY was born!

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Why You Should Start Trading Your Roth IRA NOW!

Okay, I get it. You’re busy.

Maybe the idea of trading sounds intimidating.

But let me hit you with some truth:

• The Roth IRA has an annual contribution limit ($6,500 for most people), and the earlier you start, the more you can build.

• Every day you don’t plant this financial tree is a day your shade is delayed.

• You can trade everything from ETFs like the QQQ to individual stocks—growing your money faster than any savings account ever could.

But What If I Don’t Know How to Trade?

This is where I come in.

I teach busy professionals like you how to build their financial flywheel (aka your tax-free wealth generator) and trade confidently.

I get it: You don’t have time to sit around analyzing charts all day.

That’s why I’ve created and proved a system that’s simple, effective, and designed for people with demanding jobs.

How to Start Growing Your Tax-Free Shade

  1. Open a Roth IRA (if you haven’t already).

  2. Learn to trade smartly—I can show you how to trade ETFs like the QQQ for consistent growth.

  3. Sit back, relax, and enjoy your Tax-Free Time Freedom Days when the time comes.

Final Thoughts
(And a Tiny Push)

Listen, your future self is going to look back on today and either say;
       "Thank you for planting this financial tree," 
       or,
       “Why didn’t you start sooner?”

The choice is yours.

The IRS isn’t going anywhere, but with a Roth IRA, you can keep them far away from your profits.

So, let’s do this.

Sign up for our newsletter and learn more gems like this..

- Shoot me a message if you have any questions.

- Schedule a free GET FREE with ME CALL

Together, we’ll build a forest of tax-free shade.

Here’s to your financial freedom—and to never giving Uncle Sam a bigger slice of your pie than he deserves!


Ready to learn to Trade Smarter?

Join our Time Freedom Trading Cohort and learn how to combine proven strategies with the right strategies  and mental models.

At Time Freedom Trading, we teach you how to see the market in 3D, build your Financial Flywheel, and trade profitably. But most importantly, we help you develop the mindset you need to succeed.

LISTEN IN TO OUR FREE OFFICE HOURS session today and discover how Time Freedom Trading can help you plant your shade tree!

Freedom awaits—are you ready to claim it?

CAN YOU REALLY DO THIS?

Here is the fine print:
This information is for educational purposes only and does not constitute financial, tax, or investment advice. Trading within a Roth IRA involves risks, and you should consult with a qualified financial advisor or tax professional to understand the suitability of this strategy for your situation. Additionally, you must comply with IRS rules for Roth IRAs, including contribution limits, withdrawal restrictions, and holding periods, to avoid penalties and taxes.

Disclaimer for Specific Trading Risks

•    Trading involves significant risk, and past performance is not indicative of future results.
•    While Roth IRAs shield profits from taxes, trading losses can still impact your overall account balance.
•    You cannot deduct losses in a Roth IRA on your tax return.
Make sure to understand these rules fully before implementing this strategy, and consult a professional to avoid costly mistakes.

Can I use trading profits for living expenses and really live tax- free?

Yes, you can withdraw Roth IRA funds for living expenses or any purpose after you are 59½, as long as the account has met the 5-year holding requirement.

Here’s a detailed breakdown:
After Age 59½

1. Qualified Distributions If you’re 59½ and the Roth IRA has been open for at least 5 years, any withdrawals (including earnings) are completely tax-free and penalty-free. You can use the funds for living expenses, vacations, or anything you want without worrying about taxes or penalties. 2. Living Expenses Once you meet the above criteria, withdrawals for everyday living expenses—like rent, groceries, or travel—are perfectly fine and won’t trigger any penalties or taxes. 3. No Restrictions The IRS does not impose restrictions on how you use your Roth IRA funds after 59½, as long as the distribution qualifies.

Before Age 59½

1. Contributions Are Accessible Anytime You can withdraw your contributions (the money you’ve put into the account, not the earnings) at any time, tax- and penalty-free, regardless of age. This is because you already paid taxes on your contributions when you deposited them. 2. Earnings Withdrawals Withdrawals of earnings (investment growth) before 59½ are subject to income taxes and a 10% penalty, unless you qualify for an IRS exception (e.g., first-time home purchase, education expenses, or certain medical expenses). 3. 5-Year Rule Even if you’re withdrawing contributions before 59½, the Roth IRA must have been open for at least 5 years for the withdrawal to be considered qualified and penalty-free. Summary Before 59½: You can withdraw contributions anytime, but earnings may be taxed and penalized unless you meet an exception. After 59½: As long as your Roth IRA has been open for 5 years, you can withdraw both contributions and earnings tax-free and use them for any purpose, including living expenses.
For your Freedom;
| THE BALD BULL

GET FREE" Bundle


10 TIME FREEDOM TRADING TACTICS YOU WILL LEARN!

When you sign up for the Coaching Cohort bundle, you will gain critical knowledge of the proven TIME FREEDOM TRADING system to gain profits in the stock market.

  1. Learn your real freedom number to earn time freedom trading in the stock market. (it's smaller than you think!)
  2. Learn how to see market manipulation by large institutional investors and profit from their movements.
  3. Learn how to make money in an up, down, or sideways market. More importantly, you will learn a quantitative approach to know when NOT to trade in the stock market to protect your capital.
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P.S. If you want to get free,
book a call with me.



P.S.S.  PLEASE PAY IT FORWARD!
Every one deserves Time Freedom! If you know someone who would like to learn to earn time freedom, please forward this email / link and share the freedom!


When your ready;
There are five (5) ways I can help.

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Join Time Freedom Traders learning "live and in real-time" the seasonality of the stock market. This comprehensive Trader Coaching Cohort will teach you 1:1, in live Cohort sessions, and open office hours, specifically how to trade the seasons of the stock market and learn from live Market Moments for profitable trading strategies.

The WINTER, SPRING, SUMMER, and FALL seasons all have different dynamics to profit from in the stock market. Build the proper knowledge, process, and skills to leverage the exact system I used to gain TIME FREEDOM all year through by effectively trading the stock market with seasonal catalysts. Grow your account with real money with the $1K to $100K Way and earn time freedom your way.

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"Wall Street never changes.  The pockets change, the suckers change, the stocks change, but Wall Street never changes, because human nature never changes."
                                                                             - Jesse Livermore



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About www.TIMEFREEDOMTRADING.com
THE TIME FREEDOM TRADING SYSTEM empowers Main Street with Wall Street knowledge and tools to compound wealth and earn time freedom through proven trading and investing strategies. Learning how the stock market works from the inside is critical to compounding wealth consistently in any market environment. Time Freedom Trading empowers you to build your own financial flywheel based upon your skills and goals.  Regardless of the technology or market volatility, with TIME FREEDOM TRADING you will have the right mentor and mental coach who will reveal the patterns in human nature that don’t repeat but do rhyme which you can profit from. Whether it’s stocks, options, exchange-traded funds (ETFs), or futures, we empower you with an effective skill set and tools for everyone at every level of experience to earn time freedom.

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Earn time freedom to enjoy life, enjoy your family, and enable the life and legacy you deserve.
Become a Time Freedom Trader Today!

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