Retirement Accounts

Where you invest matters almost as much as what you invest in. The wrong account choice can cost you six figures in unnecessary taxes over a lifetime. Learn the account types once, and the decision is simple forever.

By Findley's Finance · Last reviewed: September 2026

Learn it in order

1
Deep Dive: The Roth IRA
Tax-free growth explained — who it serves and the 2026 limits.
2
Tax-Advantaged Investing
The full map of accounts that shield you from taxes.
3
Roth Conversions
When paying tax now to go Roth is the smart move.
4
401(k) Rollover Guide
What to do with an old 401(k) when you change jobs.

Put it into practice

Salary Take-Home Estimator (2026) →
See your marginal bracket — the key input to the Roth vs. traditional decision.

Head-to-head

Key terms

Roth IRA Traditional IRA 401(k)HSA (Health Savings Account)Backdoor Roth IRA RMD (Required Minimum Distribution)Tax Bracket