Welcome back, everyone. It's Finance Friday, another special edition of Money Girl, where I

answer all your burning money questions. Today's topic comes from Cindy D. who says,

I'm 38 and late in retirement planning, but I'm lucky to have a job with substantial earning potential.

I built my retirement account from zero to $100,000 in three years. I have a 401k with employer

matching that I max out. I can also make in-plan mega backdoor Roth conversions up to the $69,000 limit.

I have some brokerage accounts, a high-yield savings, and a health savings account.

My goal is to retire by age 50 or 52.

I'm curious if I should be using non-retirement accounts.

Also, would you talk about using a Roth IRA conversion ladder

to achieve early retirement? Cindy, thank you so much for your question. I love that you've gotten

serious about investing and planning to retire early. You've covered a lot in your question, and in this podcast,

I'll review what a Roth ladder is and ways to create income as an early retiree.

Welcome back, everyone. Thanks for joining me on episode 875. I'm Laura Adams, an award-winning author,

finance spokesperson, money speaker, founder of the

money stack, a substack newsletter, and host of Money Girl with over 43 million downloads.

If you're getting value from the free content we love creating, I'd love for you to subscribe

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That would mean a lot to me and everyone who produces the show.

And if you've got a question about money or comment, leave it on our voicemail at 302-364-0308.

You can also send me an email and sign up for the free MoneyStack newsletter when you visit laura d adams.com.

So before we dig into Cindy's question about a Roth ladder, let's do a quick review of Roth IRAs.

A Roth IRA is an individual retirement account. It's available to anyone with qualified

...