A lot of well-meaning advice says to put money into a Traditional IRA to lower your tax bill. But for most veterinarians, that move can backfire. We’ve seen it again and again: smart, hardworking vets unknowingly setting themselves up for a bigger tax hit down the road. We’re breaking down why that happens, who should be using Traditional IRAs, and where your money might be better off instead. It’s not about scaring you off IRAs completely, it’s about showing you how to make smarter, more tax-efficient choices.

Key moments:

(03:47) Traditional IRA income limits are lower than you think, and many vets can’t get the tax deduction

(10:43) Smarter places to put your money if a Traditional IRA isn’t the right fit

(12:02) Backdoor Roths get messy if you’ve already contributed to a Traditional IRA

(17:41) Locking up your money with no tax benefit can hurt you more than help long-term

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