Episode 284: Roth IRAs & 401(k)s: The Tax-Free Growth Strategy You Might Be Overlooking скачать в хорошем качестве

Episode 284: Roth IRAs & 401(k)s: The Tax-Free Growth Strategy You Might Be Overlooking

Is the Roth the secret weapon of retirement planning? In this solo episode, Melissa Joy breaks down everything you really need to know about Roth IRAs and Roth 401(k)s—from how they work and who they’re best for, to why they’ve become a powerful tool for long-term financial freedom. Whether you're early in your career or already eyeing retirement, understanding the pros and cons of Roth accounts can help you make smarter tax decisions and build wealth that grows—and comes out—tax-free. Melissa covers: ✅ Roth vs. Traditional contributions: what’s the difference? 📊 Roth income limits, contribution caps, and how they’ve changed over time 🔁 What a Roth conversion is (and when it makes sense) 🚪 The “Backdoor” and “Mega Backdoor” Roth strategies 👨‍👩‍👧‍👦 Why Roth accounts can be powerful legacy tools for your heirs 🎯 How to build tax diversification into your retirement game plan This episode clears up common misconceptions and explores the real value of Roths—not just as a savings option, but as a strategic move in your larger financial plan. -- Visit us at https://pearlplan.com/ Listen to the podcast https://womensmoneywisdom.buzzsprout.... Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/2FdghjE...