This episode breaks down retirement planning into three simple buckets—employer plans (401k/403b), individual accounts (IRA/Roth), and taxable brokerage accounts—and explains how each is taxed and used.

Hosts discuss the key choice between traditional and Roth accounts, the importance of employer matching, time and compounding, HSAs as a retirement vehicle, and qualified charitable distributions (QCDs) for those 72+.

Practical takeaways: know your numbers, diversify tax treatment, increase contributions when possible, and review your plan regularly.