Скачать или смотреть IRA vs. 401k: How to Pick the Right One

Are you confused about the difference between a 401k vs IRA and wondering which one is right for you? This video explains step by step everything beginners need to know about these two powerful retirement accounts. You will learn how a 401k works, how an IRA works, and the major differences that can impact your retirement savings. We will cover contribution limits, tax benefits, investment choices, and rules that can help you make a smarter decision for your financial future.

In this video, you will discover why a 401k is tied to your employer, how employer matching works, and why it is considered free money you should not miss. You will also learn why an IRA gives you more control, more flexibility with investments, and unique tax advantages. We also explain traditional vs Roth options, so you understand how to lower your taxes now or enjoy tax free withdrawals later.

We go beyond the basics by explaining required minimum distributions, spousal IRAs, Roth conversions, and strategies for early retirement. You will also see how state taxes, fees, and hidden costs can affect your account and why many savers use both a 401k and IRA together.

By the end, you will know exactly how to compare 401k vs IRA and decide the best way to save for retirement. Whether you are just starting out or already saving, this guide will help you maximize your money, minimize taxes, and build a retirement plan that actually works for you.

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