Roth vs. Traditional 401(k) Decision for a 57‑Year‑Old

Here's a wild idea: What if the thing holding you back isn't your bank account, your age, or your circumstances—it's just the story you've been telling yourself?

Joe Saul-Sehy and OG sit down with Colin O'Brady, four-time world record holder and endurance athlete who's done things most people would call impossible: solo trek across Antarctica, row across the Drake Passage, and yes, take a 12-hour walk that changed his entire perspective on what humans are capable of.

Colin's not just here to tell adventure stories (though those are incredible). He's here to talk about the mental game—the part where you convince yourself to take the first step even when the finish line seems impossibly far away. Sound familiar? Whether you're staring down a cross-country expedition or trying to figure out if you'll have enough saved for retirement, the challenge is the same: push past the voice that says "I can't" and prove to yourself that you can.

Then Joe and OG bring it back to the basement with a listener question about Roth vs. Traditional 401(k) contributions—because financial endurance is just as important as physical stamina. They break down how to think long-term about taxes, flexibility, and building a retirement plan that actually fits your life.

Plus: Neighbor Doug delivers trivia that proves even world record holders have to earn their laughs in the basement.

What You'll Walk Away With:

• What Colin O'Brady's 12-Hour Walk reveals about breaking through your mental limits (and how it applies to money decisions too)

• The mindset shift that separates people who attempt big goals from people who actually achieve them

• Smart strategies for balancing Roth and Traditional 401(k) contributions based on your timeline and tax situation

• Why flexibility matters as much as discipline—whether you're planning an expedition or planning retirement

• Permission to set goals that scare you a little (because that's usually where the good stuff happens)

This Episode Is For You If:

• You've been telling yourself you "can't" do something but wonder if that's actually true

• You want inspiration that comes with actual tactics (not just motivational fluff)

• You're trying to figure out the Roth vs. Traditional 401(k) question and want a clear answer

• You believe your best life is out there, but you're not sure how to build toward it

• You need a reminder that big transformations start with small, intentional steps

FULL SHOW NOTES: https://stackingbenjamins.com/conquer-your-mount-everest-greatest-hits-week-1759

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

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