The 401k Trap | Episode #200

Is your 401(k) quietly sabotaging your financial future?

In this eye-opening episode, Christian Allen and Rod Zabriskie peel back the layers of conventional retirement planning and reveal why qualified plans like 401(k)s may not be the golden ticket for high-income professionals.

You’ll discover:
The history and hidden agenda behind the 401(k)'s creation
Why tax deferral isn’t the same as tax savings
How Roth accounts, real estate, and cash flow strategies offer more flexibility
What it really means to diversify your retirement income across tax brackets
Real-world examples that highlight the long-term impact of your investment choices

Whether you're maxing out your 401(k), getting a company match, or exploring alternative strategies, this episode will give you the clarity to make smarter, more intentional financial decisions.

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00:00 – Why We’re Talking About the 401(k) Trap
01:45 – The Shift from Pensions to 401(k)s
06:05 – The Illusion of Control: Real vs. Perceived Value
10:22 – Is Tax Deferral Helping or Hurting You?
15:33 – The Real Math: 401(k) vs. Roth Side-by-Side
20:50 – Will Your Tax Bracket Really Drop in Retirement?
26:04 – Cash Flow vs. Accumulation: A Broken Model
31:17 – Investment Limitations and Lost Opportunity Cost
35:06 – The Tax Gamble Most Investors Overlook
38:15 – Final Takeaway: Multiply, Don’t Just Defer

Видео The 401k Trap | Episode #200 канала Money Insights