There are no shortage of questions when it comes to navigating and planning for retirement.

How much do I need to save?

How do I optimize my tax bill and avoid overpaying the IRS?

When do I take Social Security?

What should I invest in?

Better yet, what investment should I avoid?

The list goes on.

And while you've likely read or heard helpful answers to all of the

big questions, it never hurts to revisit them or get a different perspective. In fact, some

studies suggest that it can take hearing something seven times before you retain it. Welcome to

Stay Wealthy podcast. I'm your host Taylor Schulte and today I'm answering listener

questions with the retirement answer man himself, Roger Whitney. Questions like what account

type is best to invest in after you've reached your retirement savings goals? And what's the best

process for making changes to your investments after learning that your portfolio isn't invested properly.

To grab the links and resources referenced in this episode, just head over to you staywealthy.com

forward slash 215.

All right, let's get to some questions.

Our first question comes from Sophie.

Sophie says, I've been a

listener for over a year and love your show. My question is about how to choose between investing

in a Roth 401k or a non-retirement investment account. And so some context there, she says, my husband

and I have been maxing out our traditional 401ks for many years and have accumulated more than we need for retirement. I think that's probably a key point. She retired a few years ago and he now invest in his 401k as a Roth option. Obviously, our understanding is that he can convert his Roth 401k into a Roth IRA, which is not subject to RMDs.

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