{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Drawing Tax Efficient Income From PRSA or ARF In Your 50's","description":"This episode looks at practical ways to pull income from pensions without handing more to Revenue than you need to. You hear how rental income fits into the picture, how a non-earning partner\u2019s tax band can save you money, and why timing matters when you\u2019ve no salary coming in. The chat keeps circling back to one point. Your own setup dictates the smartest drawdown plan. Takeaways \u2022 You can pull income from pensions in a planned, tax-efficient way. \u2022 Your personal position drives every decision. No two households look the same. \u2022 Rental income changes the order in which you tap different pots. \u2022 A partner with no taxable income can unlock unused standard-rate band. \u2022 Taking modest amounts early can help you avoid chunky tax later. \u2022 A quick yearly review keeps you from drifting into higher tax. \u2022 State pensions may give you room to delay pension withdrawals. \u2022 Mixing income sources often gives you steadier and cleaner results. \u2022 Avoiding forced withdrawals in later life protects long-term value. \u2022 You worked for it. You should enjoy it. ","author_name":"Informed Decisions Independent Financial Planning & Money Podcast","author_url":"https:\/\/www.informeddecisions.ie\/the-blog","html":"