In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions challenge a piece of conventional wisdom many investors follow without question: always max out your 401(k).

Jim and Casey explain that while contributing to a 401(k) is often a smart move, it isn’t always the best move depending on your situation. They walk through scenarios where prioritizing flexibility, tax diversification, liquidity, or alternative investment strategies may make more sense than fully maxing out a retirement account.

This episode helps listeners think more strategically about how their dollars are allocated — and whether blindly following common advice could actually limit long-term financial flexibility.

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00:00 Introduction to Today’s Topic

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