# Roth or Traditional at 55: Which 401(k) Makes Sense?

Page: https://stenobird.com/podcast/phil-s-tax-hacks-1040028/roth-or-traditional-at-55-which-401-k-makes-sense
Text version: https://stenobird.com/podcast/phil-s-tax-hacks-1040028/roth-or-traditional-at-55-which-401-k-makes-sense.md
Podcast: [Phil's Tax Hacks](https://stenobird.com/podcast/phil-s-tax-hacks-1040028)
Published: 2026-01-22T10:13:00+00:00
Episode link: https://philstaxhacks.podbean.com/e/roth-or-traditional-at-55-which-401k-makes-sense/
Audio file: https://mcdn.podbean.com/mf/web/w3hybr9rjefhcpag/314_-_PHIL_PUTNEY_-_ROTH_OR_NOT_-_AUDIOaiqo4.mp3
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JSON: https://stenobird.com/v1/public/podcasts/phil-s-tax-hacks-1040028/episodes/roth-or-traditional-at-55-which-401-k-makes-sense
Duration seconds: 914

## Resource

Want to learn more about financial planning? Please subscribe to our channel and you won't miss a video ➟ https://bit.ly/33RO6mV Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment If you’re weighing a Roth versus Traditional 401(k), you’re not alone and the right choice isn’t nearly as simple as it sounds. Phil breaks down the key factors that should drive the decision based on your long-term goals. Instead of leaning on generic rules of thumb, the focus is on understanding the math and the tradeoffs involved. There’s no one-size-fits-all answer, but guessing without a plan is almost always the wrong one. Here’s some of what we discuss in this episode: 🌱 Roth Benefits – Paying tax now for future freedom 📊 Tax Brackets – Why today’s rate still matters 🧠 Decision Strategy – Running the math, not guessing 🔄 Contribution Flexibility – Adjusting elections as circumstances change For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

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## Transcript

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