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November 2, 2020

Roth vs Traditional IRA: Which is Right for You?

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When you're investing for the future, you may come up against the choice of Roth IRA vs. Traditional IRA. Both are smart retirement investment options, but for different reasons. Alyssa asked us this question recently on Instagram:

“I’m looking to open an IRA with Vanguard but don’t know if I should choose a Roth or Traditional. Do you have any advice?”

To help Alyssa and everyone else listening, I asked Certified Financial Planner Echo Huang from Echo Wealth Management to join me to help us decide which tax-advantaged retirement option is best. Echo is the author of the new book Own Your Future: One Woman's Story of Immigration and Financial Freedom.

Listen and watch to find out how to decide between Roth vs Traditional IRA!

What are we covering?

Echo and I review the following:

  • How to choose between a Roth IRA and Traditional IRA
  • Why people should consider both for tax diversification
  • The investments to consider for global diversification

If you're wondering how to decide Roth vs Traditional IRA, Echo breaks down all of the important details and helps us to have a properous retirement. Check out this episode today!


Guest Bio – Echo Huang

Echo Huang left China at age 20 to cross the ocean with nothing but $800 and the hope of achieving the American Dream. Her courage and dedication fueled her journey through the business world over the next twenty years, gaining experience working in financial planning firms of all sizes before venturing off on her own.

Today, as founder and President of Echo Wealth Management with multiple designations such as CFP®, Certified Public Accountant (CPA) license, and Chartered Financial Analyst (CFA) charter, Echo helps the country's top executives and entrepreneurs take the complexity out of their finances, giving them the confidence to follow their dreams and achieve their goals.

Episode Resources

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roth vs traditional ira

Andy Hill

Andy Hill is the award-winning writer, speaker and podcaster behind Marriage, Kids and Money - a platform dedicated to helping young families build wealth and thrive. Andy's advice and personal finance experience has been featured in major media outlets like Business Insider, MarketWatch, Kiplinger’s Personal Finance and NBC News. Trusted as a personal finance influencer and corporate financial wellness speaker by global brands like JLL, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys wrestling with his two kids, singing karaoke with his wife and watching Marvel movies.

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Marriage Kids and Money Podcast
About Marriage Kids & Money

Every Monday, The Marriage Kids and Money Podcast provides you with actionable advice to help you win with money.

We’ve interviewed over 200 millionaire entrepreneurs, award-winning authors and personal finance experts all with the goal of saving you money, making you money and protecting your family’s future.

Fridays, you'll hear me and my wife Nicole discuss life, money and relationships on our show "Bread & Wine".

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