Roth accounts are one of the most powerful tools in retirement planning - but many people don't fully understand how they work. In this episode, I break down the basics of Roth IRAs and Roth 401(k)s, including how contributions are made with after-tax dollars, how your money grows tax-free, and the rules for qualified withdrawals. We'll cover the tax rules - such as income limits, contribution caps, the five-year rule, and withdrawal penalties - and explore the implications for retirement planning, estate planning and long-term wealth building. You'll also learn common mistakes to avoid and strategies to maximize the benefits of Roth accounts.

Whether you're just starting to save or looking to optimize your retirement plan, this episode will give you clarity and confidence to make smarter financial decisions

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