EP02 How Creatives Can Actually Retire: Roth IRAs, 401(k)s & Tax-Saving Strategies | Let’s Get Fiscal

🎙 Hosted by Anastasia, Myiesha & Danielle | Coterie Tax and Advisory

Self-employed? Freelancer? Scaling a creative business?

You need a retirement plan—and no, “buying a new laptop every year” doesn’t count.

In this episode of Let’s Get Fiscal, we’re talking Roth IRAs, SEP IRAs, Solo 401(k)s, and real-world tax strategies that help creative entrepreneurs build a future without burning out. You’ll learn when and how to start saving (even if you’re still in survival mode), which account is best based on your income, and how to stop overpaying the IRS while still keeping your cash.

We also break down how to avoid surprise taxes in retirement, what “required minimum distributions” really mean, and how to balance saving with scaling your business.

⏱️ Timestamps

00:00 – Intro: Retirement planning for creatives

00:41 – Why self-employed people get left behind

01:29 – Social Security, tax myths, and long-term reality

04:58 – Roth IRAs explained (and why they’re a game-changer)

08:56 – SEP IRA vs 401(k): Which is better and when?

21:02 – Can you combine retirement accounts?

32:20 – What most people don’t know about Social Security

40:16 – Advanced strategies: pensions, Mega Backdoor Roths & more

52:38 – Top takeaways

53:19 – Final thoughts & what to do next

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📊 Need help creating your tax-smart retirement plan?

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