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Many people assume Roth strategies are only for younger savers, but that belief might narrow your options later in life. In this episode, Ryan responds to a question that highlights how career changes and timing can reshape retirement decisions. The real issue isn’t age, it’s understanding your options when it matters most.

Here’s what we discuss in this episode:

⚖️ Roth vs. Traditional 401(k): How the tax treatment differs

💸 Tax Implications: Paying taxes now versus later

🔓 Income Flexibility: Why Roth 401(k)s don’t have income limits

🚀 Maximizing Contributions: Using catch-up rules and additional accounts

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