Strategic Retirement Account Planning

The chapter explores the nuances between Roth IRAs and Roth 401ks, emphasizing the benefits of flexibility and lower costs with Roth IRAs. It also delves into catch-up contributions, spousal IRAs, and SEP IRAs, highlighting strategic financial moves for retirement planning. The discussion extends to comparing HSA and Roth accounts, emphasizing tax advantages and estate planning considerations, while addressing a couple's dilemma on using retirement savings for a home purchase.