EPISODE · Jun 26, 2026 · 21 MIN
When Roth Accounts Are The Wrong Choice
from New Money New Problems Podcast · host NewMoneyNewProblems.com | New Money Solutions for New Money Problems
Who Should Avoid Roth Retirement Accounts? Key Scenarios Where Pre-Tax May WinJoin us from our new recording studio as we explain when Roth retirement account benefits like tax-free withdrawals and no required minimum distributions, are not ideal for everyone. We contrast Roth versus pre-tax taxation timing and outlines cases where Roth contributions may be disadvantageous. Scenarios include people currently in much higher tax situations than they expect in retirement, those likely to move from high-tax states to lower-tax states in retirement and borrowers on federal income-driven student loan repayment who can lower payments via pre-tax contributions. Tune in and see if a Roth is right for you (or not)!00:00 Roth Hype vs Reality00:14 Show Intro and New Studio01:51 Why This Roth Episode03:06 Roth vs Pretax Basics05:31 High Taxes Now10:07 Retire to Lower Tax State12:17 Newsletter Break12:35 Student Loans and AGI13:57 Cash Flow Crunch16:19 Near Retirement Medicare Traps18:34 When You Have Other Assets20:01 Wrap Up and ThanksSupport the show
What this episode covers
Who Should Avoid Roth Retirement Accounts? Key Scenarios Where Pre-Tax May Win Join us from our new recording studio as we explain when Roth retirement account benefits like tax-free withdrawals and no required minimum distributions, are not ideal for everyone. We contrast Roth versus pre-tax taxation timing and outlines cases where Roth contributions may be disadvantageous. Scenarios include people currently in much higher tax situations than they expect in retirement, those likely to move ...
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When Roth Accounts Are The Wrong Choice
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