401(k), IRA, Roth… WTF Do I Pick?

Retirement accounts don't have to be complicated—or boring. In this episode of From Middle Class to Millions, Shannon breaks down the most common types of retirement accounts in simple, clear language. She covers 401(k)s (Traditional and Roth), 403(b), 457(b), TSP, and IRAs, explains how they work, what the 2025 contribution limits are, and how to avoid penalties when withdrawing your money. You'll also learn what a vesting schedule is, how to spot hidden fees eating up your investments, and how to take advantage of free money from employer matches. Shannon shares her personal wins (like building a 7-figure retirement account) and real client stories—like Marjorie, who overcame fear of the market and grew her 401(k) to $50K in under two years. Whether you're just starting to invest or trying to figure out how to optimize what you already have, this episode will give you the tools, confidence, and motivation to build serious wealth.