In this episode of the Wealthy Pilots Podcast, Scott Osborn breaks down where to contribute your money in 2025. Learn why diversifying your savings across Roth, tax-deferred, and taxable accounts can help you retire with more flexibility and fewer tax headaches. Discover simple tweaks that can make a big difference for your future—whether you’re just starting or already maxing out your 401(k).
Here’s what you’ll learn on this episode:
•The importance of diversifying retirement savings across different tax buckets (Roth, tax-deferred, taxable) to mitigate future tax rate increases
•The benefits of contributing to a Roth 401(k) vs a traditional pre-tax 401(k)
•The concept of in-plan Roth conversions and how they can be used to strategically build tax-free retirement savings
Episode chapters:
0:00 – Intro
0:46 – Happy New Year
1:20 – Healthy Financial Habits
3:40 – Different Buckets of Money
4:50 – Why Roths Are Worth Investigating
6:45 – Roth 401(k)s & In-Plan Conversions
8:45 – Balancing Your Tax Burden
9:40 – A Regret You Don’t Hear
Resources:
Our website: https://retireairlines.com/
Phone: (419) 314-4139
Contact our team: https://retireairlines.com/contact-us/
Schedule an introductory call: http://callosborn.com/
Order your no-cost retirement toolkit: https://keap.page/lde199/the-pilot-s-planner-toolkit.html
Check out our other no-cost financial resources & guides here: https://retireairlines.com/guides-whitepapers/
The “When I Die” binder: https://retireairlines.com/wp-content/uploads/2024/10/Scott-O-FILLABLE-BINDER-10.22.24-1.pdf
Watch the podcast on YouTube: https://www.youtube.com/@retireairlines
