Episode 10: IRAs, 401(k)s, and the First Steps to Getting Financially Organized

What’s the biggest misconception about IRAs and 401(k)s? In this episode of Aftermath, Ross and Scott Brown explain how retirement accounts actually work, why the investment inside the account matters more than the account itself, and how Roth and non-Roth options differ.They also walk through the first three steps to getting financially organized, explain what a healthy emergency fund looks like, and discuss why financial success is often more about behavior than knowledge.Episode Chapters• Why money feels taboo to talk about • Common IRA & 401(k) misunderstandings • Retirement accounts as “buckets” • When a 401(k) makes sense • First steps to organizing your finances• Goals vs. process • Emergency fund basics • Where to keep emergency savings • Managing FOMO and financial regret • Why behavior matters most