It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxing.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

Okay, Phil has a question.

It's going to kick us off.

How important is asset location in the accumulation phase when you are still 15 to 20 years away from

retirement?

Do you just build up your wealth and then worry about this later when you're actually in

retirement?

That's a great question.

What I think about asset location, I think it is very important, but there's also a

reality of how it kind of builds up over time.

If you think about the financial order of operations, you can go to moneyguy.com slash

resources to get the free download, you got to learn.moneyguy.com.

We actually have a deep-dive course, but just by the nature of way the government incentivizes

tax savings and other things, you're going to find that you will probably have your emergency

reserves, which is of course taxable and now the interest rates are going up.

That's actually generating income again, which is really powerful.

That's cool in that aspect, but you go find after that you go have tax free assets, but

Roth, but the government is completely restricting the size that you can get in those Roth assets.

Then you go have a pretty good chunk probably in tax deferred assets because your employer's

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