#609 Should You Contribute to Your Traditional IRA, or Go Roth Instead?

Main Street Business

Mark J Kohler and Mat Sorensen

Tax Reform, Entrepreneurship, Business, Irs Updates, Tax Tips, Legal Compliance, Business Structure, Tax Prep, Accounting, Tax Strategies, Management, Financial Reporting, Estate Planning

2.4 • 584 Ratings

🗓️ 20 February 2026

⏱️ 30 minutes

🔗️ Recording | iTunes | RSS

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Summary

Should you take the tax deduction today… or build tax-free wealth for tomorrow? In this episode of the Main Street Business Podcast, Mark J. Kohler and Mat Sorensen break down the Roth vs. Traditional IRA debate and explain why the “lower tax bracket in retirement” argument doesn’t always hold up in the real world. They walk through the math, the mindset, and the long-term strategy behind both options — including inheritance planning, self-directing for higher returns, tax rate uncertainty, f...

Transcript

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0:00.0	Your kids can inherit anything from you worth a million bucks. It shouldn't be your house.
0:04.8	Shouldn't be your traditional retirement account. The most powerful one is going to be the Roth IRA.
0:10.1	Advisors that can't get creative, they love this argument because they have nothing else better.
0:15.4	That's their only dumb idea. So I got to write off on 100 grand, but I'm going to pay tax on a million.
0:21.4	I'd rather pay tax on 100 grand and then never pay tax on that million. People are told they're
0:26.3	going to be in a lower tax bracket when they retire. It doesn't work that way. It doesn't happen.
0:36.6	Welcome everybody to the Main Street Business Podcast.
0:38.8	My name is Mark Kohler.
0:39.9	I'm here with the amazing, illustrious, incredible Matt Swanson, three adjective throwdown.
0:44.6	That's right.
0:45.0	You could go for four on the next one.
0:46.7	That's okay.
0:47.2	You don't have to be modest.
0:49.1	Yeah.
0:49.4	I don't know.
0:49.8	Don't hold back.
0:51.5	Sorry.
0:52.2	I apologize.
0:53.0	I was just trying to protect you from, you know, yourself.
0:56.3	But it's dangerous.
0:59.1	You know, thanks everybody for listening.
1:01.0	This is a big show because you may be getting a call from your advisor or accountant or
	...

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