In this raw, no-fluff episode, we rip apart the myths and lay down the facts in a head-to-head comparison between Roth IRAs and 401(k)s. You’ll get the real scoop on tax treatment (pay now vs. pay later), contribution limits, employer match potential, RMD rules, and investment control. We expose the strengths and weaknesses of each account, and break down who should use what—based on income, job benefits, and future tax outlook. Whether you're a high earner or just getting started, this episode gives you the tools to craft a smarter retirement strategy—no sugarcoating, just strategy.