re: Question about Tax on Retirement Accounts

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Brokerage accounts are not retirement accounts, so withdrawals are taxable at your ordinary income tax rate.

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This is not correct.

Roth IRA/401k = tax-free withdrawals
Traditional IRA/401k/403b = taxed at ordinary income tax rate
Brokerage accounts = no tax on the withdrawal, only on the activity inside the account (capital gains, dividends, interest)