In this eye-opening episode of Freedom to Retire, retirement strategist Jim Cipriotti exposes the hidden risks lurking in your Roth IRA. With Washington eyeing tax reforms, the “tax-free” promise may not be as bulletproof as you think. Jim unpacks the misunderstood five-year rules, the threat of required minimum distributions, and why delaying action could cost you big. Whether you're a pre-retiree, a dad planning your legacy, or just serious about protecting your 401(k), this episode delivers urgent insights, smart strategies, and hard truths you can’t afford to ignore.

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