FoundationsMAD Academy0:45Taxes

Pay Now or Pay Later

Traditional and Roth accounts differ in when tax is paid, and the right choice depends on a rate comparison nobody can make with certainty.

0:45 · 6 scenes

This lesson is part of a MAD Academy plan.

What the Lesson Covers

  1. 0:00The whole traditional versus Roth question is one comparison.
  2. 0:05The difference. Traditional deducts now and taxes later. Roth taxes now and never again.
  3. 0:14The comparison that decides it. Your tax rate today against your tax rate when you withdraw. That is the whole question.
  4. 0:23Why nobody knows. It depends on your future income and on future tax law. Both are unknown.
  5. 0:32The part that is certain. Growth inside either wrapper is untaxed, and that is worth more than the choice between them.
  6. 0:40Compare the rates, hold both if unsure, and contribute either way.
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Educational content only. MadStockAlerts provides market commentary, research, and educational content. It is not personalized investment advice, and nothing here is a recommendation to buy or sell any security. Trading and investing involve substantial risk, including loss of capital. See the Risk Disclosure and Customer Agreement.
Educational content only. MadStockAlerts provides market commentary, research, and educational content. It is not personalized investment advice, and nothing here is a recommendation to buy or sell any security. Trading and investing involve substantial risk, including loss of capital. See the Risk Disclosure and Customer Agreement.
Pay Now or Pay Later — MAD Academy Training Video · MadStockAlerts