I think we all wish sometimes that we could wave a magic wand and have all of our investment

accounts magically become Roth accounts where they grow and be distributed tax rate for the rest

of our lives. But does it actually make sense to have all our money in Roth accounts? Or even if it's

not all of our money, is there a point at which you can have too much in a Roth account? Well,

that and more is what we're going to cover on today's episode

of Ready for Retirement. This is another episode of Ready for Retirement. I'm your host,

James Cannell, and I'm here to teach you how to get the most of the life with your money.

And now, on to the episode. There's a long list of benefits that come with having your money in a Roth IRA. To name a few,

the benefits are tax-free growth of any dollars you put into a Roth, tax-free distributions from those

funds. Any distributions aren't counted in EURMA-surcharge calculations. They aren't counted

in provisional income calculations. They're not subject to

required minimum distributions. There are a lot of good reasons to put money into a Roth IRA or

Roth 401k. However, practically speaking, the method by which you would do that is not always

beneficial. And what we'll start to see in today's episode is there

does come a point at which it's maybe hurting you to continue putting money into Roth accounts.

So today's episode is going to be an answer to a listener question, and this question comes from

Aaron. Aaron asks this. He says, I'd like to get your thoughts on diversification versus

Roth accounts for young savers.

I'm 36 years old and my wife is the same age. And until now, we've been maximizing savings

in Roth accounts based upon the long-term growth horizon at our age and historically low tax

rates until 2026. We're both in the 24% tax bracket. We have expectations of higher earnings in the future.

Today, we have about $600,000 in Roth accounts and $70,000 in tax-deferred accounts.

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