Using Retirement Accounts

Today, we are answering your questions about retirement accounts. This is a topic that comes up a lot from readers and listeners, and that is because it can be complicated. Especially when the rules keep changing like they did with the recent Secure Act 2.0. Today, we tackle questions about withholding taxes, new rules with the Roth 401(k), maximum allowable contributions to combined retirement accounts, when you should roll your 401(k)s from multiple companies into one account, and so much more.

Listen to Episode #306 here.


We’re going to be talking about retirement accounts today. Retirement accounts are awesome, right? What everybody wants is something that lowers their taxes and boosts their returns and gives them more asset protection and makes their estate planning easier and lowers their tax bill. Everyone wants that magic account, right? Well, guess what? They exist. They’re called retirement accounts. There are some other types of tax-protected accounts like HSAs

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This article was written by Megan Scott and originally published on