Ep13 | The Real Reason You Shouldn’t Ignore Roth IRAs—Even If You Have a 401(k)

Have you been told you make too much for a Roth IRA—or that it’s only for young investors? Think again. In this episode of Financially Fluent, Ray Godleski, Cindi Walters, and intern Gavin break down the real rules, benefits, and limitations of Roth IRAs. Whether you're starting your first job or already planning your estate, you'll learn how this versatile tool can fit into your financial picture. Understand who qualifies for a Roth IRA (including kids and retirees!)Learn how Roth IRAs help with retirement tax strategy, estate planning, and income flexibilityDiscover how to avoid common Roth mistakes—from contribution misconceptions to withdrawal penalties🎧 Tune in now to learn how Roth IRAs really work—and decide if this flexible, tax-advantaged account has a place in your long-term strategy. 2025 Roth IRA Income & Contribution Limits - IRS.govCalculate Roth vs. Traditional 401(k)Federal Income Tax Calculator