All About Roth: How It Works, When to Contribute, and Advanced Strategies

Creating Wealth

Confused about Roth accounts? You’re not alone. In this episode, we’re breaking down one of the most important—and misunderstood—topics in retirement planning in the U.S.

We’ll walk through the key differences between Roth and Traditional accounts, income limits for Roth contributions, and how Roth 401(k)s compare to Roth IRAs. You’ll also learn when it makes sense to contribute to a Roth, how the backdoor Roth strategy works, and when a Roth conversion might benefit your long-term plan. Plus, we’ll cover early withdrawal rules, required minimum distributions (RMDs), and how to incorporate Roth accounts into your overall retirement and tax diversification strategy.

Whether you’re building your retirement roadmap or fine-tuning your portfolio, this conversation is packed with actionable insights to help you make the most of your money—now and in the future.

We cover:

• The difference between Roth and Traditional accounts

• Roth IRA vs. Roth 401(k): Which one fits your goals

• Income limits for Roth contributions

• How and when to use a backdoor Roth

• What Roth conversions are and when they make sense

• Early withdrawal rules and how to avoid penalties

• How to include Roth accounts in a long-term retirement and tax diversification strategy

Enjoy the show? Please subscribe, leave a review, or share this episode with a friend! Got questions or topics you'd like us to cover? Email us at [email protected]—we’d love to hear from you.