Hedgeye Podcasts Hedgeye NexGen: Building Wealth for Young & New Investors | Episode 18 | Retirement Accounts
Jun 28, 2025
Dive into the world of retirement accounts and wealth building with insightful discussions on 401(k)s, Roth IRAs, and tax strategies. Learn about the advantages of employer matching and how to maximize your contributions for long-term growth. The importance of financial education is highlighted, along with creative strategies for funding education and planning for future expenses. Discover how to navigate various investment vehicles effectively, ensuring you optimize savings while minimizing tax burdens.
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Clear Debt Before Investing
- Always pay off your credit cards, car loans, and student loans first before investing.
- Investing for retirement should come after clearing your high-interest debts.
401k Tax Deferral Explained
- A 401k uses pre-tax dollars, lowering your taxable income.
- Taxes are paid upon withdrawal after age 59.5, not when you contribute.
Ryan's Vesting Schedule Experience
- Ryan lost half of his employer match due to a vesting schedule after leaving his first job early.
- Vesting schedules require employees to stay years before employer matches fully vest.