Are You Missing Potential With Your Roth IRA? | Episode 8

Roth IRAs can be one of the most powerful tools in retirement planning, but only if you understand the rules and how they fit into your bigger picture.

In this episode, we break down practical strategies for using Roth IRAs from retirement tax planning and early retirement options. Whether you’re just getting started or already building your retirement nest egg, this conversation should help you see where Roth accounts may (or may not) make sense for your financial strategies.

Topics we’ll cover:

✔️How Roth IRAs actually work (and why taxes now can create potentially very valuable tax-free assets later)

✔️Accessing contributions before retirement even without penalties

✔️The tricky commonly missed five-year rule

✔️Income limits, phaseouts, and backdoor Roth contributions

✔️Why Roth IRAs can be a great tool for career changers and early retirees

✔️The impact on Social Security taxes and Medicare premiums

✔️Spousal Roth IRAs and planning as a couple

✔️How Roth IRAs fit into legacy and estate planning