Why Roth IRAs Feel Better — Even When the Math Doesn’t
Автор: Enlighten to Achieve: Smarter Paths to Wealth
Загружено: 2026-01-14
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Why do so many people think a Roth IRA is a “no-brainer”?
Tax-free income sounds great.
No required minimum distributions in retirement sounds even better.
And for many people, the real appeal is control.
With a Roth IRA, you can always access the money you contributed without penalties. That flexibility feels safer than a traditional IRA — even if it’s not always mathematically better.
This is where control bias shows up.
We like the feeling of control so much that we sometimes justify decisions without running the numbers.
A Roth IRA can be a powerful tool — but it’s not automatically the right answer for everyone. The real question isn’t “Which sounds better?”
It’s “Which actually fits your situation?”
📌 We break this down further — including when a Roth does and doesn’t make sense — in a longer video.
Important disclosure:
This content is for educational purposes only and is not individualized investment or tax advice. Examples are hypothetical and for illustration only. Tax rules and retirement strategies vary by individual circumstances and are subject to change. Consult a qualified financial or tax professional before making decisions.
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