{"podcast":{"title":"Real Personal Finance","slug":"real-personal-finance-598374","podcast_index_feed_id":598374,"rss_url":"https://rss.buzzsprout.com/2066103.rss","website_url":"https://realpersonalfinance.libsyn.com/website","image_url":"https://storage.buzzsprout.com/994fycfplvwqfrxf4w9c7enk3xta?.jpg","author":"Scott Frank","episode_count":250,"summary":"Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and Nick Covyeau. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. Scott and Nick are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.","last_synced_at":"2026-07-10T00:19:23.190010+00:00","page_url":"https://stenobird.com/podcast/real-personal-finance-598374"},"episode":{"title":"Pre-Tax, After-Tax, Roth: How Should You Distribute Your 401(k) Contributions?","slug":"pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions","published_at":"2025-08-29T03:00:00+00:00","page_url":"https://stenobird.com/podcast/real-personal-finance-598374/pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions","show_page_url":"https://stenobird.com/podcast/real-personal-finance-598374","url":"https://www.buzzsprout.com/2066103/episodes/17744469-pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions.mp3","audio_url":"https://www.buzzsprout.com/2066103/episodes/17744469-pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions.mp3","summary":"People often think of their 401(k) as the set-it-and-forget-it retirement account. You set your contribution amount, get your employer match, and leave it alone. But what if your company gives you pre-tax, after-tax, and Roth IRA options? It’s a nice problem to have, but things can get complicated pretty quickly. In this episode, we’re answering a listener question from someone in just such a predicament, which is pretty common in the world of tech. Listen in as we get practical and break dow...","meta_description":"People often think of their 401(k) as the set-it-and-forget-it retirement account. You set your contribution amount, get your employer match, and leave it…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1053,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/real-personal-finance-598374/episodes/pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/real-personal-finance-598374/pre-tax-after-tax-roth-how-should-you-distribute-your-401-k-contributions.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}