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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 family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness. With millions of podcast downloads and video views, 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 being a Soccer Dad, singing karaoke with his wife and watching Marvel movies.

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About Marriage Kids & Money

The Marriage Kids and Money Podcast is dedicated to helping young families build wealth and happiness.

With over 400 episodes and counting, we share interviews with wealthy families, award-winning authors, and personal finance experts to help you find your version of family financial independence.

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