#4: We discuss IRAs and Roth IRAs – the "consumer retail" cousin of the 401k / Roth 401k. We also show you how the Roth laddering strategy works, why for early retirees this strategy means it's always better to contribute pre-tax upfront, and exactly how to implement the strategy.

What you’ll learn in this episode:

• IRA and Roth rules for contributions, tax deferral, withdrawals, RMDs, rollovers, loans, beneficiaries, creditors, inheritance
• How the Roth laddering strategy works and why it is the best method to avoid taxes entirely

 Links mentioned in this episode:

• Traditional vs. Roth spreadsheet template to quickly see how much you’ll personally save with a tax-deferred upfront strategy
• HYW episode 3: Everything you need to know about 401Ks
• HYW blog post: Traditional vs. Roth?
• HYW private Facebook community

Intro/Outro: Old Bossa by Twin Musicom.