In this episode of Backwoods Money, we cover two big topics.

First, we talk about the ongoing US government shutdown that is now entering its third week. We talk about what the possibility of SNAP funds running out, federal workers going without paychecks, and the importance of having emergency funds to cover things that come up like this.

Then we answer a listener question about retirement accounts: should you prioritize a Roth IRA or take advantage of your employer’s 401(k) match? We walk through the pros and cons of each, explain the “match beats Roth” rule, and share practical tips for getting started - even if you’re using platforms like Robinhood.

Dalton also briefly shares his thoughts on how Robinhood may have mixed reviews and has had its fair share of issues, but how they have played a pivotal role in making investing simpler and more accessible to everyday people through brokerage commissions, order minimums, and fractional shares.

Listen now and download our free one-page budget template at BackwoodsMoney.com/budget