Barbara Ginty

So that'll be an important consideration on how you're then going to spend your monies, right? Because on your workplace plans, you're going to fall under required minimum distributions. You're going to have those mandatory distributions and those will be taxable. And then your Roth doesn't have them and won't have any tax.

So that'll be an important consideration on how you're then going to spend your monies, right? Because on your workplace plans, you're going to fall under required minimum distributions. You're going to have those mandatory distributions and those will be taxable. And then your Roth doesn't have them and won't have any tax.

So that'll be an important consideration on how you're then going to spend your monies, right? Because on your workplace plans, you're going to fall under required minimum distributions. You're going to have those mandatory distributions and those will be taxable. And then your Roth doesn't have them and won't have any tax.

So it'll be important to see how you break that down in terms of whether you start with the Roth or then maybe do a breakdown of some Roth, some... traditional monies, right, to offset your tax ramifications.

So it'll be important to see how you break that down in terms of whether you start with the Roth or then maybe do a breakdown of some Roth, some... traditional monies, right, to offset your tax ramifications.

So it'll be important to see how you break that down in terms of whether you start with the Roth or then maybe do a breakdown of some Roth, some... traditional monies, right, to offset your tax ramifications.

Yeah, if you can. But once again, right, we don't know what our health expenses are going to be, you know, and how our health is going to go. So if you can leave it, absolutely. You can then use it later on, which would be great. But if you need it, that's what it's there for, right?

Yeah, if you can. But once again, right, we don't know what our health expenses are going to be, you know, and how our health is going to go. So if you can leave it, absolutely. You can then use it later on, which would be great. But if you need it, that's what it's there for, right?

Yeah, if you can. But once again, right, we don't know what our health expenses are going to be, you know, and how our health is going to go. So if you can leave it, absolutely. You can then use it later on, which would be great. But if you need it, that's what it's there for, right?

So what I would say is it's going to depend on the answer to, is there enough there currently? that you are going to be able to maintain your current lifestyle. And I would say with a bit of a buffer on the upside.

So what I would say is it's going to depend on the answer to, is there enough there currently? that you are going to be able to maintain your current lifestyle. And I would say with a bit of a buffer on the upside.

So what I would say is it's going to depend on the answer to, is there enough there currently? that you are going to be able to maintain your current lifestyle. And I would say with a bit of a buffer on the upside.

Well, the numbers are going to and should dictate whether or not you can stop saving. But what I will say, Kay, is between, you know, you're in early 50s and said maybe fully retiring at 60, right? 65, where you would start pulling from those accounts.

Well, the numbers are going to and should dictate whether or not you can stop saving. But what I will say, Kay, is between, you know, you're in early 50s and said maybe fully retiring at 60, right? 65, where you would start pulling from those accounts.

Well, the numbers are going to and should dictate whether or not you can stop saving. But what I will say, Kay, is between, you know, you're in early 50s and said maybe fully retiring at 60, right? 65, where you would start pulling from those accounts.

So what I would say is you have an opportunity between now and then for your accounts to double one more time, right? Because if we're looking at compounding of interest accounts using the rule of 72, so if your accounts are making 7.2% compounding interest, they'll double in 10 years. So if we use that as... benchmark and say, what's the value?

So what I would say is you have an opportunity between now and then for your accounts to double one more time, right? Because if we're looking at compounding of interest accounts using the rule of 72, so if your accounts are making 7.2% compounding interest, they'll double in 10 years. So if we use that as... benchmark and say, what's the value?

So what I would say is you have an opportunity between now and then for your accounts to double one more time, right? Because if we're looking at compounding of interest accounts using the rule of 72, so if your accounts are making 7.2% compounding interest, they'll double in 10 years. So if we use that as... benchmark and say, what's the value?

If the value today is a million, which is round numbers, and then we'll just say you're just 50, then at 60, they could be 2 million if they're making 7.2% interest. But if you're also contributing to them, even for half that time, till 55, or even till 60, could be a lot greater than 2 million.

If the value today is a million, which is round numbers, and then we'll just say you're just 50, then at 60, they could be 2 million if they're making 7.2% interest. But if you're also contributing to them, even for half that time, till 55, or even till 60, could be a lot greater than 2 million.