📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/

📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html

Pre-tax or after-tax? That is the question. There’s no Life 101 class that talks you through these choices, and one wrong move could impact how much of your retirement savings you get to keep. Ryan breaks down the key differences between Traditional and Roth IRAs, explaining how each impacts your taxes, contributions, and withdrawals. Tune in for practical tips to help you maximize your retirement savings and choose the best approach for your financial goals.

Here’s what we discuss in this episode:

💵 Pre-Tax Basics: How Traditional IRAs reduce today’s tax bill

🧾 Roth Advantage: Tax-free growth and withdrawals explained

⚖️ Pay Now or Later: The trade-off that defines both accounts

🧮 Contribution Limits: What you can put in for 2025

🕰️ Age Factor: How timing impacts your long-term tax picture

🔁 Conversions: When to roll pre-tax money into a Roth

Visit us online: https://blackoakam.com/

Phone: (470) 508-0508

Get in touch with the Black Oak team: https://blackoakam.com/contact-us/

Schedule a call with Ryan: https://speakwithryan.com/

Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc

Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI