You’re out with friends, and the conversation turns to retirement planning — specifically, how everyone’s 401(k) is doing. As your friends discuss upping their contributions to get an employer match, you sip your drink, hoping not to be noticed. You don’t have a 401(k), and you’re worried this means you’re doomed financially.
For You: Pre-Tax vs. Roth: Why This One Retirement Decision Confuses So Many People
