The 14 Roth IRA Mistakes That Cost Beginners $500,000 in Retirement (And How To Fix Them)
14 small mistakes inside your Roth IRA that compound into $500,000+ of lost tax-free retirement money over 40 years. Contribution timing errors, investment mistakes, withdrawal traps, and estate planning oversights — each one with the specific dollar cost and the fix. Updated for 2026 limits ($7,500 contribution, $8,500 at 50+). Includes the 14-question Roth IRA audit you can run tonight. TIMESTAMPS: 0:00 - The $500,000 You Are Losing 4:25 - Disclaimer + Intro 5:10 - Mistake 1: Waiting Until April 15 7:00 - Mistake 2: Not Maxing the Limit 9:00 - Mistake 3: Ignoring Age 50+ Catch-Up 10:30 - Mistake 4: Forgetting Spousal Roth 12:30 - Mistakes 1–4 Combined Cost 13:30 - Mistake 5: Leaving Roth in Cash 16:00 - Mistake 6: Single-Stock Concentration 18:00 - Mistake 7: Expensive Funds 20:00 - Mistake 8: Never Rebalancing 21:30 - Mistakes 5–8 Combined Cost 22:30 - Mistake 9: Breaking the 5-Year Rule 23:30 - Mistake 10: Early Earnings Withdrawal 25:00 - Mistake 11: No Roth Conversion Plan 26:30 - Mistake 12: Not Planning Conversions Early 27:00 - Mistake 13: No Beneficiary Named 28:00 - Mistake 14: Wrong Beneficiary Type 29:00 - All 14 Mistakes Stacked: The Running Total 30:30 - The 14-Question Roth Audit 31:00 - Your Fix-It Plan Tonight 32:30 - Full Disclaimer DISCLAIMER: I am not a financial advisor, CPA, or tax professional. This is educational content about 2026 Roth IRA rules and common mistakes. Individual situations vary. Consult a financial advisor or CPA before making changes. This is not personalized financial advice. #rothira #retirementmistakes #retirementplanning #taxfreegrowth #taxfreeretirement
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