In this episode, we explore the world of Roth 401(k)s, using the analogy of buying a rare Pokémon card on layaway to explain how this retirement plan works. We break down the benefits, comparing it to traditional 401(k)s, and explore the history, contributions, and tax implications. Vanessa and Heidi share personal anecdotes and provide actionable advice on managing deductions, understanding employer matches, and planning for a tax-free retirement. Join us to learn how to maximize your retirement savings and secure a comfortable future!