About this episode
Tom welcomes Roxy Butner back to field listener questions on retirement income, Roth vs. traditional 401(k) choices, car financing math, leftover 529 rollovers, and bond price confusion. Listeners hear sharp, practical advice on optimizing savings and withdrawals—without slipping into tax traps. Plus, a shoutout to the record 401(k) savings rate and a surprising mini-lesson on estate planning trends. 0:05 401(k) savings rates hit a new high—why 20% total savings should be your goal 2:40 Roth vs. Traditional 401(k) for younger investors—Roxy makes the case 3:57 Listener Q: Early retirees managing withdrawals across brokerage, Roth, and IRA accounts 6:36 Tax bracket management vs. withdrawal strategy—how to stay in the 24% 8:38 Roth conversions and RMD prep—why to think now about later taxes 9:41 Why DIY retirees still need a second set of eyes on their plan 10:25 Listener Q: What to do with $16K left in a 529 plan 11:24 529-to-Roth rollover rules and strategy 12:31 Listener Q: Pay cash for a car or finance at 1.9%? 13:58 Emotional vs. mathematical car finance decision-making 15:11 Listener Q: Got 6/7 on FINRA quiz—why do bond prices fall when rates rise? 17:36 Bond basics: duration, rate risk, and quality 17:53 Roxy’s real-world client trend: surge in estate planning questions 18:54 Free portfolio analysis plug and Roxy’s parting thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices