How to Think About Tax Diversification for Retirement
Marriage Kids and Money: Personal Finance for Families
Andy Hill
4.9 • 604 Ratings
🗓️ 4 February 2026
⏱️ 39 minutes
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| 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 |
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