Roth vs Traditional: Where Should You Put Your Retirement Money?

When it comes to retirement savings, one of the biggest questions is simple—but powerful: Do you pay taxes now, or later? In this episode, Rayna breaks down the differences between traditional and Roth retirement accounts, including how they’re taxed, how they grow, and how to decide which strategy makes sense for you. She also dives into how the Thrift Savings Plan (TSP) allows federal employees to use both—and why recent rule changes are pushing more people toward Roth contributions. You’ll learn how Roth conversions work, when you actually pay the taxes, and why timing—especially near the end of the year—can make a big difference. Rayna also highlights potential pitfalls, like triggering higher Medicare premiums (IRMAA), and shares practical strategies to help you make smarter, more tax-efficient decisions with your retirement savings. -- Contact Rayna directly at 850-450-6500 Or call the American Federal Benefits Consultants team at 1-800-872-8857 Visit: AmericanFederal.org -- YouTube: https://www.youtube.com/@RaynaRetirement Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning. Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.