Unsure which retirement account to choose? We have some tips

不确定该选择哪种退休账户?我们为您提供一些建议

Life Kit

2026-05-07

11 分钟
PDF

单集简介 ...

Retirement accounts are not just a vehicle to let your money grow over time for when you're ready to stop working. They're also a tax shelter. In this episode, we talk about how much you can expect to save in taxes, the difference between pre-tax and post-tax accounts, and how to decide which to prioritize. Spoiler: when in doubt, just pick one and get started. Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekit See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. NPR Privacy Policy
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  • You're listening to LifeKit from NPR.

  • Hey, it's Marielle.

  • Tax Day has passed, so you don't have to think about your taxes for another year, right?

  • Nah, that's wrong.

  • You could be making better choices now that 'll save you money in taxes in 2026,

  • like putting some money into a retirement account.

  • The taxation of retirement accounts is probably the most misunderstood concept of investing.

  • And what I hate is that it creates this real roadblock to people getting started.

  • This is Amanda Holden, financial educator and author of the book How to Be a Rich Old Lady.

  • Now, the thing is, many of us were never taught how to do all this.

  • And even if we know a little bit about it, the details get complicated.

  • What we know is that tax law in the U.S.

  • Is like this haunted patchwork doll that has been added to and amended over time.

  • And you can think of retirement accounts as just one cursed limb of the creation.

  • Spooky.

  • But don't worry.

  • On this episode of Life Kit, I'm going to walk you through this.