Is your 401(k) working for you—or against you? 😬 In this eye-opening episode of The Future of Finance, hosts Marissa Wood and Lisa Green dive deep into the truth about 401(k) plans, Roth IRAs, and how to better plan for retirement. If you've ever asked:  ✅ Should I contribute more to my 401(k)?  ✅ What happens to my 401(k)s when I change jobs?  ✅ Should I open a Roth IRA too?  ✅ How do I diversify for tax efficiency? Then THIS is the episode you need to hear! 🔍 Learn about: * The history & intent of the 401(k) * Why too many people rely solely on it * Roth IRA benefits for tax-free retirement * What to do with an old 401(k) * Tax diversification strategies * SEP IRAs & solo 401(k)s for self-employed ⏱️ Timestamps: 00:00 – Intro to the Episode & Guests  00:36 – Who this episode is for: working professionals & business owners  01:26 – Why 401(k)s were created and what went wrong  03:00 – How 401(k)s became the default retirement plan  04:09 – Why relying solely on your 401(k) can be risky  06:00 – Common problems: lack of education, poor fund selection, no reviews  07:20 – How much should you contribute to your 401(k)?  08:19 – Qualified vs. Non-qualified investments explained  09:07 – Where to invest beyond your 401(k)?  10:08 – What to do with your old 401(k)s when you change jobs  11:26 – Benefits of rolling over to an IRA  12:26 – How we help clients consolidate and manage old plans  14:42 – Why the Roth IRA is your future tax-free best friend  16:20 – Roth IRA contribution limits and who should open one  18:28 – IRA, Roth, and non-qualified: understanding account types  20:18 – The importance of diversification in tax buckets  21:12 – Roth conversions explained (and when to consider them)  23:26 – Retirement planning for self-employed individuals  24:49 – Final thoughts: systematic savings, compound interest, and balance  25:37 – How to schedule a free consultation with Marissa or Lisa 📞 Ready to take control of your retirement planning?  Visit 👉 https://www.union-financial.com [https://www.union-financial.com/] 📅 Book a free meeting directly through our calendar! 🔔 Don't forget to like, subscribe, and turn on notifications for more retirement strategies, financial planning tips, and money mindset advice from financial experts who care.