Erik shares thoughts on how to get into the 0% tax bracket at retirement since we do not know what taxes are going to be in the future.  

• To get into the 0% tax bracket we have to be able work our exemptions, deductions, retirement accounts, and social security together by intention so we do not pay taxes legally in retirement.      
• A lot of the concepts are ones we do not learn about in school and are typically reserved for the top 1-3%.     

• “There are ways where we can put our money away and it will grow for us tax deferred and be pulled out tax free.” –Erik Smith  

• “You don’t have to like life insurance, but you can like it a little bit more than the IRS.” –Erik Smith  

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• "Power Of Zero" by David McKnight