What if the real danger in retirement isn’t market swings or portfolio values, but the quiet tax time bombs waiting to explode especially for Americans living abroad?

In this episode of the Make Life Less Taxing Podcast, Daniel Hanzelka sits down with James “Jimmy” Miller, founder of Baobab Wealth Management and author of Divorce the IRS. With more than 25 years of experience as a cross-border planner and a lifetime spent living as an expat himself, Jimmy brings a rare and grounded perspective to retirement, taxation, and life overseas.

From the widow’s penalty, IRMAA surcharges, and Roth conversion misunderstandings, to the unique challenges of saving abroad, Jimmy explains why expats don’t plan to fail they simply fail to plan. His stories illuminate how structure, clarity, and a long-term tax lens can transform both confidence and outcomes.

You’ll also hear why he believes retirement planning is ultimately about relationships, stewardship, and living intentionally not just numbers on a page.

💡 In This Episode, You’ll Discover:
• The unique financial pitfalls facing expats and cross-border families
• Why lifetime tax planning matters more than any single-year strategy
• How Roth conversions are often misunderstood—and misapplied
• Why planning becomes the key to living well overseas
• How clarity creates freedom, purpose, and peace of mind

👤 About James “Jimmy” Miller
Founder of Baobab Wealth Management, Jimmy specializes in helping U.S. expats and cross-border families create clarity in their retirement planning with an emphasis on lifetime tax strategy and intentional living.

📍 Location: Nokomis, Florida
🌐 Website: https://baobabwealth.com/
🔗 LinkedIn: https://www.linkedin.com/in/baobabwealth/
📘 Facebook: https://www.facebook.com/BaobabWealth
🎥 YouTube: https://www.youtube.com/@baobabwealth
📅 Booking Link: https://calendly.com/baobabwealth
🎧 Podcast: https://www.buzzsprout.com/2564674/episodes

Free Resource: https://baobabwealth.com/financial-planning-for-americans-overseas/
Financial Planning Guide for American Expats

🎧 About the Make Life Less Taxing Podcast
Make Life Less Taxing exists to help people build freedom, clarity, and purpose in every part of their financial life. No hype. No product talk. Just grounded conversations that help you think differently and live more intentionally.

🌐 More Episodes: https://makelifelesstaxingpodcast.com
📥 Be a Guest: https://makelifelesstaxingpodcast.com/apply

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