A podcast listener named Sue says I get such a benefit from your easy to understand

explanations.

I'm 68 and work full-time with no intention of retiring for many years.

Since I have to pay additional income tax this year, I'm thinking about contributing

to a traditional IRA to avoid it.

How would that affect the requirement to withdraw money at age 72?

And can you contribute to a traditional IRA after age 72?

Another question came in from Dr. Sarah who says, do you have any advice on the difference

between a TIAACREF pre-tax and a TIAACREF Roth Post-tax option for retirement contributions?

Thank you so much for those excellent retirement account questions, Sue and Dr. Sarah.

If you've been listening to the show for any length of time, you know I'm a fan of

using retirement accounts because they come with tax advantages that make your money go

further.

The only downside is that you must follow some strict account rules.

And while they may seem a little confusing at first, I'm going to cover nine of the most

critical retirement account rules everyone should know.

No matter if you're employed, self-employed, unemployed or retired.

And along the way, I'm going to answer Sue and Dr. Sarah's questions.

Hey friends, I'm Laura Adams and I'm so glad you downloaded the show.

If you're new here, I'm an award-winning personal finance author and have hosted

Money Girl since 2008.

I also work with select brands as an on-camera PR spokesperson, consumer advocate, voiceover

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