@doug.andrew: The creation of the Roth IRA in 1997 was a brilliant political maneuver by a government hungry for immediate revenue. By dangling the "Roth carrot" of getting taxes over with and then enjoying tax-free withdrawals with no RMDs later, Congress enticed millions to pay taxes at current rates, rather than waiting decades for piecemeal taxes on their IRA and 401(k) RMDs. It resulted in a massive upfront tax windfall for Washington, while individuals essentially pre-paid their tax bill. While it served the government's short-term budget, paying taxes upfront can be a wise move - there's just a better vehicle to put your after-tax money into - an IUL. Get your free copy of The LASER Fund at laserfund.com.#RothIRA #TaxStrategy #TheLASERFund

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Wednesday 29 July 2026 15:15:07 GMT

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Comments

WolvesGoat21 :

So he never gave the reason why he doesn’t have a Roth.

2026-07-29 18:03:26

akawojo :

I started contributing to my ROTH in 1997. All high risk investments. I have over $8 million, all tax free

2026-07-30 01:35:52

Colin Overweg, CFP® :

You do understand you can choose Traditional or Roth or borrow against a brokerage account… no need to waste money on cost of insurance in a heinous IUL

2026-07-30 00:40:13

tobby19722 :

Don’t listen to this guy. Get a ROTH especially if you’re young

2026-07-30 00:55:23

Fit for life :

Roth early on sacrifices future gains.

2026-07-31 15:52:19

Kitten :

That sounds like an argument against conversions.

2026-07-30 12:54:33

Oldmanriver :

I already had the money and it was already taxed regardless though…the tax is a sunk cost. 🤷🏾‍♂️

2026-07-30 14:04:09

steam5811 :

more retirement options are bad I guess?

2026-07-29 22:00:02

davo :

garbage investments

2026-07-30 01:15:37

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