The Investing for Beginners Podcast - Your Path to Financial Freedom AAR19 - 5 Ways to Protect Your Retirement
Oct 14, 2025
Dave Ahern, a frequent co-host and expert in retirement and personal finance, joins to unpack essential strategies for securing your retirement. He discusses the advantages of tax-advantaged accounts and the critical differences between Roth and Traditional IRAs. The duo delves into the reliability of the 4% withdrawal rule and the importance of diversifying income sources, including real estate. They emphasize maintaining a high-yield savings account as a financial safety net, ensuring you’re prepared for any unexpected expenses.
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Use Tax-Advantaged Accounts
- Take full advantage of tax-advantaged retirement accounts like 401(k)s and 403(b)s to amplify long-term savings.
- Balance account types rather than putting everything in one tax bucket to preserve flexibility later.
Know Roth vs Traditional Rules
- Understand Roth vs Traditional rules so withdrawals and taxes won't surprise you in retirement.
- Consult a licensed tax advisor before retirement if you're unsure or high-income.
Treat The 4% Rule As A Guide
- Use the 4% rule as a starting guideline, not an absolute plan for withdrawals.
- Adjust withdrawals based on inflation, returns, and market conditions to avoid running out of money.