Patrick has a question. Should you take out your Roth IRA money first or your 401k money

first when you start hitting retirement?

All right, so should you pull out your Roth IRA or your 401k? Again, I've given this

disclaimer before I'm going to give it again. No two retirements are the same. And so

the cadence through which you pull your assets out and from which account from which accounts

you pull them out of are Alexa is talking about that. The cadence from which you pull money

out and the accounts that you pull them is customized based on your unique situation.

So to say that one always makes sense would not be practical. I will give you a general

guideline. You know, we talk about the financial order of operations and how we accumulate,

how we build the buckets. What most often happens is we build Roth first and then we build

pre-tax next and then we build after tax third. When you go to turn that bucket upside down

and start taking it out, it kind of comes out in that order in the majority of circumstance.

You pull taxable assets out first, then you pull pre-tax assets out and then you pull

Roth assets out. Right. Why is that the case? That's the way that we do.

I mean, I immediately had a visual and I'm just going to share this. I always get a visual

like column. He's like, my precious. And I know when I get that tax free mic, is the government

restricts how much you can put in these accounts? I mean, think about what they let you do.

You only let you put in that $6,500 in the Roth IRA. They only let you put in the $22,500

in the Roth, you know, in your whole thought. It's not like you can put unlimited. They'll

let you put anything you want in your taxable account. You know, if you can save a million

dollars a year, put a million dollars in that thing. They're okay with that. But that tax

free. He's got restrictions on it. So I always find myself when that money's in there,

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