Finances don’t have to be scary—even on Halloween. 🎃 In this episode, Dan and Cami break down Roth IRAs vs. pretax 401(k)/403(b), the power of Roth conversions, effective vs. marginal tax rates, and how to avoid the “retirement tax trap.” Learn when Roth contributions make sense, why your future self will thank you for balance across tax buckets, and a simple way to check your current bracket at home.Chapters below 👇 Have a question? Drop it in the comments—we may feature it next week.🔔 Subscribe for weekly episodes: purpose, wealth, confidence.

0:00 Control Your Tax Bracket in Retirement

1:12 - Three Ways to Fund a Roth

3:59 - Roth Inside 401k and 403b

4:26 - Rich Uncle Analogy6:21 - Will Taxes Rise?

8:34 - Pretax vs. Roth Outcome

10:18 - Roth Withdrawal Rules

11:43 - Roth Conversions: What, Why, When

12:19 - The Retirement Tax Trap & Bucket Strategy

22:53 - What’s Next

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