Breaking Down Traditional vs Roth

When it comes to saving for retirement, one of the most common questions is also one of the most misunderstood: should I contribute to a traditional or Roth account? And which one offers the smartest long-term tax strategy? In this episode, Dennis breaks down what makes each option unique and why the answer isn’t one-size-fits-all. He also shares his “seed vs. wagon” analogy to help explain why tax timing matters more than we may think.

Here’s some of what we discuss in this episode:

💡 Clear breakdown of Roth vs. Traditional accounts

📊 How tax treatment affects retirement withdrawals

🧠 How age and income influence your contribution strategy

🔄 Tips on rebalancing and managing your 401(k) with intention

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