🏛️ Traditional vs. Roth: When should you pay taxes?

💰 TRADITIONAL Get a potential tax break today. Pay ordinary income tax on withdrawals later.

🚀 ROTH Pay taxes today. Enjoy tax-free qualified withdrawals in retirement.

🧠 THE RULE: • High tax bracket today? Consider Traditional. • Low tax bracket today? Consider Roth. • Unsure? Consider diversifying between both.

📊 2026 LIMITS: 401(k): $24,500 IRA: $7,500

🔥 Smart strategy: Capture your employer match first, then choose the tax strategy that fits your situation.

Remember: It’s not just how much you save. It’s how much you keep AFTER taxes.

Would you rather pay taxes NOW or LATER? 👇

#RetirementPlanning #RothIRA #PersonalFinance