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Money Guy Show
Are You Ready to Retire Early?
Jun 10, 2024
Discover the debate between paying off a home before early retirement or investing for higher returns. Explore the benefits of Roth IRA over Roth 401k and the advantages of dividend investing vs. index funds for maximizing retirement savings.
32:48
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Quick takeaways
- Prioritizing Roth or Regular 401k depends on tax bracket for optimal benefits.
- Balancing early mortgage payoff with investment growth requires considering personal risk tolerance and goals.
Deep dives
Consider Tax Bracket and Roth vs. Regular 401k
Prioritizing Roth or Regular 401k investment depends on your tax bracket. If in a lower tax situation below 25%, Roth may be ideal, while above 30% deems regular 401k valuable for immediate tax benefits. Planning for Roth conversion closer to retirement can optimize tax efficiency.
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Discover
highlights
Listen to the best highlights from the podcasts you love and dive into the full episode