Roth IRAs have been around since 1997 & similarly to the Roth 401k, your contributions are after tax, grow tax free, and at withdrawal are tax free. As I mentioned in my Roth 401k post, you should have BOTH

You’ve heard the saying, “money doesn’t grow on trees”, probably from your parents at some point in your life. Undoubtedly, this is absolutely true. Wouldn’t that be something if you could go in your backyard and pluck some $100 bills off the limbs like picking apples?

You’ve heard the saying, “time in the market is better than timing the market”. This is 1000% true for ourselves & your little one.

Gone are the days of pensions. Most of us Elder Millennials missed the employer pension window and while it doesn’t compare to a pension, a 401k...in particular, a Roth 401k can still be maximized, but you have to understand the difference.