401k VS Roth IRA — The Real Math

I explain why your traditional 401k is hiding a silent partner and how you can use strategic Roth conversions to take back control of your retirement taxes. CHAPTERS 0:00 - The Silent Partner Revealed 3:37 - The Retirement Math Trap 7:18 - The Hidden IRMAA Cost 9:50 - The Roth Conversion Window 12:09 - The Bob and Linda Case 16:06 - The Inherited IRA Nightmare 18:40 - Three Structural Moves 23:27 - The Psychology of Loss 27:01 - Long Term Care Risks 31:33 - Shift to Decumulation Mindset