Confused about Roth accounts? You’re not alone. In this episode, we’re breaking down one of the most important—and misunderstood—topics in retirement planning in the U.S.

We’ll walk through the key differences between Roth and Traditional accounts, income limits for Roth contributions, and how Roth 401(k)s compare to Roth IRAs. You’ll also learn when it makes sense to contribute to a Roth, how the backdoor Roth strategy works, and when a Roth conversion might benefit your long-term plan. Plus, we’ll cover early withdrawal rules, required minimum distributions (RMDs), and how to incorporate Roth accounts into your overall retirement and tax diversification strategy.

Whether you’re building your retirement roadmap or fine-tuning your portfolio, this conversation is packed with actionable insights to help you make the most of your money—now and in the future.

We cover:

• The difference between Roth and Traditional accounts

• Roth IRA vs. Roth 401(k): Which one fits your goals

• Income limits for Roth contributions

• How and when to use a backdoor Roth

• What Roth conversions are and when they make sense

• Early withdrawal rules and how to avoid penalties

• How to include Roth accounts in a long-term retirement and tax diversification strategy

Enjoy the show? Please subscribe, leave a review, or share this episode with a friend! Got questions or topics you'd like us to cover? Email us at askcreatingwealth@taberasset.com—we’d love to hear from you.

Welcome to our annual AI update! A lot has changed in just a year, and in 2025, artificial intelligence is advancing faster than ever—impacting how we work, live, and interact with the world around us. In this two-part series, we break down the biggest developments in AI, how it’s becoming embedded in our everyday lives, and what you can do to stay ahead of the curve.

In Part One, we focused on how AI has evolved over the past year, the most important trends to watch over the next 12–18 months, and what the average person should understand about the current pace of AI development. We also shared how we’ve personally been integrating AI tools into our daily lives—both professionally and at home.

In Part Two, we’ll explore how AI is transforming the job market, which roles are being affected most (both positively and negatively), and the ethical concerns that are rising along with the technology. We’ll wrap with practical advice on how to stay informed and remain adaptable in a rapidly changing AI-driven world.

For questions, comments, or feedback, email us at askcreatingwealth@taberasset.com. Be sure to subscribe and leave a review to stay updated on future episodes.

Check out our previous episodes on AI:

2024 - Navigating the AI Revolution: Insights for Investors and Workers, Part One

2024 - Navigating the AI Revolution: Insights for Investors and Workers, Part Two

2023 - Are You Prepared for the AI Revolution?

Welcome to our annual AI update! A lot has changed in just a year, and in 2025, artificial intelligence is advancing faster than ever—impacting how we work, live, and interact with the world around us. In this two-part series, we break down the biggest developments in AI, how it’s becoming embedded in our everyday lives, and what you can do to stay ahead of the curve.

In Part One, we focus on how AI has evolved over the past year, the most important trends to watch over the next 12–18 months, and what the average person should understand about the current pace of AI development. We also share how we’ve personally been integrating AI tools into our daily lives—both professionally and at home.

In Part Two, we’ll explore how AI is transforming the job market, which roles are being affected most (both positively and negatively), and the ethical concerns that are rising along with the technology. We’ll wrap with practical advice on how to stay informed and remain adaptable in a rapidly changing AI-driven world.

For questions, comments, or feedback, email us at askcreatingwealth@taberasset.com. Be sure to subscribe and leave a review to stay updated on future episodes.

Check out our previous episodes on AI:

2024 - Navigating the AI Revolution: Insights for Investors and Workers, Part One

2024 - Navigating the AI Revolution: Insights for Investors and Workers, Part Two

2023 - Are You Prepared for the AI Revolution?

In this episode, we talk about how to take control after a job loss and make smart decisions for your financial future and career. We discuss what to do in the immediate aftermath, including addressing the emotional impact of job loss and what key financial steps to take. You’ll also hear practical advice on how to start planning your next move, especially if your industry is evolving or no longer viable. Whether you’ve just been laid off, are navigating a major career pivot, or you’re supporting someone who is, this episode is here to guide you through those uncertain moments.

For questions, comments, or feedback, email us at askcreatingwealth@taberasset.com. Be sure to subscribe and leave a review to stay updated on future episodes.

In this insightful episode, we tackle one of life’s most consequential decisions: "Should I Have Kids?" with the help of our special guest, Ann Davidman—a seasoned marriage and family therapist from the San Francisco Bay Area. Together, we delve into the process of choosing or not choosing parenthood, and the role of financial readiness. Whether you're on the fence about starting a family or simply curious about the balance of emotional and financial preparedness, this episode offers valuable guidance to help you make a thoughtful, informed decision.

Ann Davidman is a seasoned expert who has spent years working with others on this very topic. Ann earned her graduate degree from San Francisco State University. She’s a member of the California Association of Marriage and Family Therapists (CAMFT) and maintains a successful private psychotherapy practice in the San Francisco Bay area. She’s been featured in numerous publications, including Vox, The Washington Post, The New York Times, Fatherly, Refinery 29, Baby Center, ABC Australia, +Lifehacker, The Daily Mail, and more.

Have questions or comments? Reach out to us at askcreatingwealth@taberasset.com, and don't forget to subscribe and leave a review. Tune in now for an essential conversation that could shape your future.

Resources:

Ann Davidman's website

Book - "Motherhood: Is it for Me?"

Connect with us on LinkedIn: Bill Taber and Anastasia Taber

Welcome to a very special episode of our podcast! We’re taking a break from our usual deep dives into personal finance to explore a fun, unconventional perspective—through the eyes of Anastasia's toddler daughter (and Bill's granddaughter). We'll skip over the advanced classes in baby finances and jump straight to Baby Finances 401, where we ask the hard and existential questions about money.

For questions, comments, and topics, you can email us at askcreatingwealth@taberasset.com. Don't forget to subscribe and review us—your support helps us bring more joy and insightful conversations to our community!

Welcome back to our March series on well-being, inspired by Yale’s renowned Science of Well-Being course by Professor Laurie Santos. In our last episode, we debunked common myths about happiness and explored how our brains sometimes lead us astray in our pursuit of joy. In Part Two, we’re making it practical by delving into research-backed strategies that can boost your happiness and well-being.

We unpack the concept of “rewirements” and discuss how small, intentional habits like practicing kindness, savoring positive moments, and daily gratitude can counteract hedonic adaptation. We’ll explore the power of resetting your reference points, the benefits of meditation, and offer actionable tips to seamlessly integrate these happiness habits into your everyday life.

Whether you’re seeking an abundance mindset or looking for practical ways to enhance your personal well-being, this episode is packed with insights to help you cultivate lasting happiness. Tune in now to discover the one key takeaway that could transform your approach to living a better life!

For questions, comments, or topic suggestions, email us at askcreatingwealth@taberasset.com. Enjoy the episode!

Resources:

The Science of Well Being course (free)

The New Era of Positive Psychology TED Talk by Martin Seligman (2004)

The Surprising Science of Happiness TED Talk by Dan Gilbert

Learn your character strengths

Use your strengths to boost happiness

Connect with us on LinkedIn: Bill Taber and Anastasia Taber

Welcome to our March series on well-being, inspired by Yale’s renowned Science of Well-Being course by Professor Laurie Santos. In this first episode, we dive into the core misconceptions about happiness and explore how our minds can sometimes trick us into chasing the wrong goals—like believing that a promotion or more money will automatically bring joy. We break down the science behind what truly makes us happy, discussing what factors play critical roles in boosting our overall well-being. We also examine the impact of social media on our perceptions of happiness and share actionable mindset shifts that can help you adopt an abundance mentality.

Given the wealth of information offered in this course, we are splitting this conversation into two episodes. Part One will focus on what are misconceptions about happiness, how our minds trick us, and what actually makes us happy. Part Two will focus on how to apply practical strategies to increase your well-being and happiness. Tune in and join us on this journey to rethink what truly brings joy and to set the stage for a more fulfilling year!

For questions or comments, reach out to us at askcreatingwealth@taberasset.com. Enjoy the episode!

The Science of Well Being course (free)

The New Era of Positive Psychology TED Talk by Martin Seligman (2004)

The Surprising Science of Happiness TED Talk by Dan Gilbert

Learn your character strengths

Use your strengths to boost happiness

Connect with us on LinkedIn: Bill Taber and Anastasia Taber