Investing & retirement

Investing & retirement

IRA Strategies for 2024: Tax Deferral, Roth Conversions, and Smart Withdrawals

Imagine a 30-year-old just landed a promotion and suddenly faces a mountain of retirement choices. The spreadsheet on the screen shows a $6,500 contribution option, but the real question is: how does that dollar work for you over the next 30-plus years? Below, I walk through the most common

Investing & retirement

Why Maxing Out Your 401(k) First May Be a Misstep: Myth‑Busting Strategies for 2024 Retirees

Imagine you’ve just received a hefty bonus and the first thought is, “I’m going to throw it all into my 401(k.” While that feels like a responsible move, the math often tells a different story. In 2024, with interest rates inching up and market volatility still fresh