Who Should Avoid Roth Retirement Accounts? Key Scenarios Where Pre-Tax May Win

Join us from our new recording studio as we explain when Roth retirement account benefits like tax-free withdrawals and no required minimum distributions, are not ideal for everyone. We contrast Roth versus pre-tax taxation timing and outlines cases where Roth contributions may be disadvantageous. Scenarios include people currently in much higher tax situations than they expect in retirement, those likely to move from high-tax states to lower-tax states in retirement and borrowers on federal income-driven student loan repayment who can lower payments via pre-tax contributions. Tune in and see if a Roth is right for you (or not)!

00:00 Roth Hype vs Reality
00:14 Show Intro and New Studio
01:51 Why This Roth Episode
03:06 Roth vs Pretax Basics
05:31 High Taxes Now
10:07 Retire to Lower Tax State
12:17 Newsletter Break
12:35 Student Loans and AGI
13:57 Cash Flow Crunch
16:19 Near Retirement Medicare Traps
18:34 When You Have Other Assets
20:01 Wrap Up and Thanks

Support the show