meta_pixel
Tapesearch Logo
Log in
Marriage Kids and Money: Personal Finance for Families

How to Think About Tax Diversification for Retirement

Marriage Kids and Money: Personal Finance for Families

Andy Hill

Investing, Business, Kids & Family, Parenting

4.9604 Ratings

🗓️ 4 February 2026

⏱️ 39 minutes

🧾️ Download transcript

Summary

How do you decide between Roth and traditional investing when you want flexibility in the future? We kick off the show by answering a listener question from Liz about how much to invest in Roth versus traditional accounts. We walk through tax diversification, the three bucket strategy, and how to think about today’s income versus retirement so your family can build wealth with options. Next, we sit down with Anthony Rojas from Georgia for our Net Worth Win segment. Anthony shares how his family built an $868,000 net worth by age 39, the financial lessons shaped by his upbringing, and how he and his wife are using money to create stability, generosity, and meaningful experiences for their growing family. We wrap things up with a Money Quiz featuring Calvin. Together, we test his knowledge on net worth, investing, and YouTube monetization so kids and parents can learn and play along together. Chapters 🎧 0:00 Introduction and Episode Overview  1:29 Listener Question from Liz  2:51 Tax Buckets Explained  11:52 Anthony Rojas's Net Worth Journey  21:38 Building Generational Wealth  31:03 Money Quiz with Calvin Hill  Resources and Links 📚 📖My new book, "Own Your Time"  https://marriagekidsandmoney.com/ownyourtimeamazon 📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show! 🎙️Anthony Rojas's Podcast: Listen to Anthony's podcast, Unknown Variables 🍑Nectarine Financial Advisors: Recommended for advice-only financial planning. Visit marriagekidsmoney.com/Nectarine for more information. 💻 Sponsors and Additional Resources ⁠https://marriagekidsandmoney.com/resources⁠ 👉Connect with me on social media: LinkedIn: AndyHillMKM Instagram and Facebook: MarriageKidsAndMoney Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0

Sanjeeves just received a decent bonus. Nice work, Sanjeeve. He knows he could invest all of the money, but he's seen a new watch he likes. He's not worried. With his HSBC Premier bank account and access to their financial advice service, he can get a personalised plan for the future and know how much you can spend a day. Everything's Premier when your bank account is. Search HSBC Premier. HSBC UK, opening up a world of opportunity.

0:23.1

For financial advice, you need minimum £100,000. Other criteria and fees apply. Financial and other

0:27.6

eligibility criteria apply for HSBC Premier. That sounds like based on your voicemail, you guys do well,

0:33.8

thinking through your income situation, thinking through your goals, and the kind of flexibility

0:39.0

that you want to have in the future.

0:40.6

From there, getting some personalized advice can really help turn these good intentions that

0:46.2

you have into a clear plan.

0:53.9

This show is dedicated to helping you, strengthen your family tree, and live financially free.

0:59.4

Welcome to the Marriage Kids and Money podcast, everybody.

1:01.5

This is Andy Hill.

1:02.8

And today we're going to do three things.

1:05.1

First, we'll be reviewing a question from Liz about determining how much Roth versus how much traditional should we have in our investment accounts.

1:15.1

Second, we're back with our net worth win segment. This week we're featuring Anthony Rojas from Georgia.

1:21.2

Anthony has grown his family's net worth to $868,000 by age 39. We're going to talk to him about how he accomplished this family financial feat and what his goals are for the future, for his crew. And last but not least, we're back with another money quiz. I'll be quizzing my son, Calvin, with some fun money questions. We're going to test his knowledge so he can keep growing his

1:44.8

generational wealth and happiness and hopefully you can play along at home with your kiddos or

1:51.4

just you know personally it's just fun i like game shows all right let's jump into today's show

1:59.0

all right let's get into today's question from liz she She actually left us a voicemail, which I love. Thank you so much, Liz, for taking the time to do that. And a quick reminder to everybody who's listening. If you have a question like Liz and you want it answered on this show, please leave a voicemail at marriagekidsmoney.com slash voicemail. I'd love to hear from you. Here is Liz. Hi, Andy. My name is Liz,

2:19.9

and I have an investment question. I'm hoping to get your opinion on. My husband and I are both

2:24.6

39, and we've been investing for a while. I currently have a traditional 403B at my work, and I have

2:30.4

the option of changing my contributions to be in a Roth 403B. My husband has a Roth 401k,

2:36.5

and we both have Roth IRAs, a brokerage account, and one small traditional IRA. But do you have

2:42.5

a recommendation for investment percentages from traditional to a Roth account or a formula that

...

Please login to see the full transcript.

Disclaimer: The podcast and artwork embedded on this page are from Andy Hill, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Andy Hill and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.

Copyright © Tapesearch 2026.