Want to pay less tax now, or never pay tax again? That's the real question behind the Traditional vs. Roth debate. When it comes to saving for retirement, few questions get asked more often than: Should I use a traditional account or a Roth? The truth is, there isn't a one-size-fits-all answer.

In this episode, Jake and Nick unpack the key differences between Traditional and Roth IRAs and 401(k)s. They explain how income limits affect your ability to contribute, why tax brackets matter, and how Roth contributions can provide long-term tax-free growth.

Here's what we discuss in this episode:

🧮 Four keys to consider: income, age, taxes, goals

📊 Why income & tax brackets may shape your decision

🔄 Using backdoor Roths and Roth conversions as planning tools

🧭 How to blend both accounts for long-term strategy

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