STOP Contributing to Your 401(k)? The Truth No One Is Telling You (The Tax Trap)

Описание: The 401k isn't a scam, but it might be a tax trap. Here is the math most people ignore.

We are taught to "max out" our 401k blindly. But for high achievers, this can actually destroy your wealth. Between "The RMD Tax Bomb," high hidden fees, and the Liquidity Trap, putting every dollar into a Traditional 401k can lead to a massive tax bill in retirement that is higher than what you pay today.

In this video, I break down the 5 Mathematical Reasons to stop contributing to your 401k (beyond the match) and exactly where you should put your money instead to optimize for taxes, liquidity, and early retirement.

Topic We Cover:
The "401k Scam" vs. The Math
Reason 1: The RMD Tax Bomb (The "Success Penalty")
Why Your Tax Rate Might Be HIGHER in Retirement
Reason 2: The Income Growth Trap (Roth vs. Traditional)
Reason 3: The Liquidity Crisis (Why You Can't Touch Your Money)
Reason 4: Hidden Fee Nightmares (Check Your Plan)
Reason 5: The Roth Conversion Strategy
The "3 Bucket" Strategy for Perfect Retirement Taxes

Resources:
Roth vs. Traditional Calculator
How to Check Your 401k Fees (FeeX)
The "Rule of 55" Explained

#401k #RetirementPlanning #TaxTraps #RothVsTraditional #Investing #MrBrotherInvests #FinancialFreedom #EarlyRetirement

I am not a financial advisor. The content on Hoodie Guy Invests is for educational and entertainment purposes only. Investing involves risk. Please do your own research or consult a professional before making financial decisions.