Ryan Sterling
speaker
807 appearances
4 recordings
1 series
first heard Feb 2026
last heard 7 Sep
Ryan Sterling’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.
Appearances
when you retire and when Medicare kicks in.
The the power of the 401k comes into, again, depending on where you are in terms of your your tax brackets, it's a powerful tax deduction.
Now, that said, 401ks come in two different flavors.
You can do a Roth 401k or you can do a traditional 401k.
Now, for a lot of people, and I see this all the time, they are hooked on the Roth.
And maybe when they started working at the age of 22 or so and they were in a lower tax bracket.
You know, somebody told them, put money into a Roth.
This is so powerful.
And they were not wrong about that.
However, I start to see people creeping into the 32%, the 35%, even the 37% tax brackets where they're and who live in places like New York and California where they're still contributing to the Roth.
And I'm looking at this and I'm like, gosh, like you get almost a 50% for New Yorker in New York City, you can get almost a 50% tax deduction for putting money into the pre-tax 401k portion.
So the money goes in, again, assuming you do the pre-tax, the money goes in as a tax deduction.
So you're not paying taxes on it right now.
Um, and then that money grows tax deferred.
Now you could say, okay, but when you take that money out.
You're paying taxes on it.
Yes, but there's a button.
And here's the but.
Let's say, for example, that you're a higher earner in your late 30s and you live in a place like New York and you're getting that 50% tax deduction when putting it into a 401k.
Yes, you do have to pay taxes when you take the money out.
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