# Why Your 401(k) Isn’t Enough - The Ideal Retirement Mix

Page: https://stenobird.com/podcast/retirement-answers-5918904/why-your-401-k-isn-t-enough-the-ideal-retirement-mix
Text version: https://stenobird.com/podcast/retirement-answers-5918904/why-your-401-k-isn-t-enough-the-ideal-retirement-mix.md
Podcast: [Retirement Answers](https://stenobird.com/podcast/retirement-answers-5918904)
Published: 2026-05-06T11:30:00+00:00
Episode link: https://share.transistor.fm/s/86867516
Audio file: https://media.transistor.fm/86867516/b8410f54.mp3
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JSON: https://stenobird.com/v1/public/podcasts/retirement-answers-5918904/episodes/why-your-401-k-isn-t-enough-the-ideal-retirement-mix
Duration seconds: 1297

## Resource

You're saving for retirement, but are you saving too much into the wrong accounts? Most retirees don't realize this common issue until it's too late. In this episode, I explain why having all of your retirement savings in pre-tax accounts is major risk and how you can begin to fix things. 👉 Work With Us: https://www.rivertreewealth.com/get-started ✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers Email: jacob@rivertreewealth.com Website: https://www.rivertreewealth.com LinkedIn: https://www.linkedin.com/in/jacobduke Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast. DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only. 01:00 Early Retirement Access Trap 02:31 Risk One: Future Taxes 04:03 Risk Two: RMD Time Bomb 06:50 Risk Three: Income Control 09:37 Risk Four: Psychological Barriers 11:51 Risk Five: Lack of Flexibility 12:51 Tax Diversification 16:28 How To Fix The Problem 19:12 Conclusion

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## Transcript

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