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Retirement 101: Roth vs Traditional — Decision Tree by Age

Retirement 101: Roth vs Traditional — Decision Tree by Age

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In this episode, we cover Roth decision. The conversation opens with: Welcome to Retirement Planning : Let's Make Sense Of This Sh*t. I'm Elena. Many pre-retirees face a clear fork in the road when they decide how to fund their accounts each year. The choice between a Roth and a traditional option changes your tax bill now and later. Because tax rates can shift over a decade, that decision tree starts with your current bracket and your expected rate in retirement. For example, a fifty five year old earning ninety t Listen for the key context, practical takeaways, and the most important points to carry forward.

Welcome to Retirement Planning : Let's Make Sense Of This Shit. I'm Elena. Many pre-retirees face a clear fork in the road when they decide how to fund their accounts each year. The choice between a Roth and a traditional option changes your tax bill now and later. Because tax rates can shift over a decade, that decision tree starts with your current bracket and your expected rate in retirement. For example, a fifty five year old earning ninety thousand dollars might save four thousand dollars in taxes today by using a traditional account. Yet the same person could owe more later if rates rise. Therefore the tree asks first whether you expect a lower bracket after you stop working. If yes, traditional contributions often win. If no, Roth contributions lock in the current rate. Meanwhile the numbers grow differently because of how withdrawals get taxed. This episode walks through that exa

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