Retiring with a pension changes everything about your retirement math. Most people think about retirement in terms of net worth—how close they are to a million, two million, or more. But if you have a pension, that old framework can send you down the wrong path. In this episode, James explains why retirees with pensions need to think in terms of cash flow, not balances on a statement. James begins with a simple shift: a pension that pays $60,000 a year acts like the income from a $1.5 millio...
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Retiring with a pension changes everything about your retirement math. Most people think about retirement in terms of net worth—how close they are to a million, two million, or more. But if you have a pension, that old framework can send you down the wrong path. In this episode, James explains why retirees with pensions need to think in terms of cash flow, not balances on a statement. James begins with a simple shift: a pension that pays $60,000 a year acts like the income from a $1.5 millio...
Roth vs. Traditional IRA – Which One Really Saves You More?
Ready For Retirement
12 minutes
2 months ago
Roth vs. Traditional IRA – Which One Really Saves You More?
Is a Roth IRA really better than a traditional IRA? The truth is... it depends on your tax situation. In this video, you’ll learn why your current tax bracket versus your retirement tax bracket should drive your decision, not blanket advice. Most retirees pay less in taxes later in life, which creates opportunities for smart strategies like tax arbitrage and Roth conversions. By contributing to traditional accounts during high-earning years and converting in lower-tax years, you can potentia...
Ready For Retirement
Retiring with a pension changes everything about your retirement math. Most people think about retirement in terms of net worth—how close they are to a million, two million, or more. But if you have a pension, that old framework can send you down the wrong path. In this episode, James explains why retirees with pensions need to think in terms of cash flow, not balances on a statement. James begins with a simple shift: a pension that pays $60,000 a year acts like the income from a $1.5 millio...
