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slash UK slash AI for people. Here's your money briefing for Monday, April 28th. I'm Jana

Herron for the Wall Street Journal.

If you're dreaming of tapping your retirement savings tax-free in your golden years,

this episode is for you.

A growing number of workers are funding Roth accounts with after-tax money,

and they plan to withdraw it later without paying a dime.

The share of people in all generations who are saving in these accounts

has increased over the last five years.

Nearly one in five millennials and Gen Z workers saved in Roth workplace plans in 2024,

according to Fidelity Investments.

But how much should you put into Roth's?

Wall Street Journal reporter Ashley Ebling spoke to one man who took it to the max.

He put all of his retirement savings into these accounts. I believe tax rates really have nowhere to go but up in the future. And a

Roth is the best hedge, I think, in the tax code against that. We'll hear more from him later.

But first, Ashley joins me to break down the

ends and outs of the all-Roth strategy. Ashley, thanks for being here. Thanks for having me on the show.

Ashley, a lot of us are familiar with the 401ks and individual retirement accounts or IRAs.

But what are their Roth cousins and what extra

advantages do these accounts provide? The advantage is the money and the Roth grows tax-free and

comes out tax-free. And that's like a great deal for people who think they'll be in a higher

...