When it comes to saving for retirement, one of the most common questions is also one of the most misunderstood: should I contribute to a traditional or Roth account? And which one offers the smartest long-term tax strategy? In this episode, Dennis breaks down what makes each option unique and why the answer isn’t one-size-fits-all. He also shares his “seed vs. wagon” analogy to help explain why tax timing matters more than we may think.Here’s some of what we discuss in this episode:💡 Clear breakdown of Roth vs. Traditional accounts📊 How tax treatment affects retirement withdrawals🧠 How age and income influence your contribution strategy🔄 Tips on rebalancing and managing your 401(k) with intentionOur website: https://www.401k.faith Phone: (513) 898-1897 Contact our team: https://www.faith401kmgmt.com/contact_us/ Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/ Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/ Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/ Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g Facebook: https://www.facebook.com/profile.php?id=100063561056644 LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/ X: https://x.com/dennishorr

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