# 401(k) Roth Rule Change + Balancing Pensions and Roth IRAs

Page: https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/401-k-roth-rule-change-balancing-pensions-and-roth-iras
Text version: https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/401-k-roth-rule-change-balancing-pensions-and-roth-iras.md
Podcast: [Money Matters by Allworth Financial](https://stenobird.com/podcast/money-matters-by-allworth-financial-173477)
Published: 2026-01-31T13:00:00+00:00
Episode link: http://podcast.moneymatters.com/e/401k-roth-rule-change-balancing-pensions-and-roth-iras/
Audio file: https://mcdn.podbean.com/mf/web/gr8a3anx8ja8fj43/AWMM_2026131_FULL_PODCAST_2bk18a.mp3
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JSON: https://stenobird.com/v1/public/podcasts/money-matters-by-allworth-financial-173477/episodes/401-k-roth-rule-change-balancing-pensions-and-roth-iras
Duration seconds: 2923

## Resource

In this episode of Money Matters, Scott and Pat break down a big shift for higher earners: the new 401(k) Roth rule that changes how catch-up contributions work. If you’re over 50 and earning a solid income, this could seriously affect your retirement plan. They also cover smarter tax strategies and take listener calls. A recent retiree wonders if buying a rental property makes sense. Then, Scott and Pat help a man from Virginia with a textbook example of how to balance pensions, Roth IRAs, and tax diversification as retirement nears. Whether you're saving, converting, or rethinking your retirement goals, this episode brings clarity, strategy, and a dose of straight talk. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

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## Transcript

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