How the Tax Code Shapes Your Retirement Savings in 2026

In this episode of The Tax Policy Podcast, Lucas and Luna drill into the specific mechanics of how tax-advantaged retirement accounts work in 2026. They focus on a single concrete example: a 30-year-old earning $75,000 annually who chooses between a traditional IRA and a Roth IRA, and what that decision means for her lifetime tax bill. The hosts explain the key difference between the two accounts — whether you pay tax now or later — and walk through the math of how contribution limits, income phaseouts, and the SECURE Act 2.0 changes affect real people. They also discuss the saver's credit, employer match structures, and the looming question of whether tax rates today are historically low. By the end, listeners will know exactly how to estimate their own trade-off between a tax deduction today versus tax-free withdrawals in retirement. #RetirementSavings #TaxCode #IRA #RothIRA #TraditionalIRA #SECUREAct #SaversCredit #TaxPlanning #RetirementPlanning #2026Tax #IncomeTax #Economics #FexingoBusiness #BusinessPodcast #TaxPolicy #LucasAndLuna #FiscalPolicy #PersonalFinance Keep every episode free: buymeacoffee.com/fexingo