You’ve probably heard it before: “Just max out your 401(k) and you’ll be fine.”
But here’s the truth, if that’s your only strategy, you could be setting yourself up for a massive tax problem later.

In this episode of That Financial Guy Show, Keith Wilson explains why focusing only on your 401(k) can limit your flexibility in retirement and what to do instead. You’ll learn:
• Why every dollar in your 401(k) is fully taxable later and how that can lead to higher taxes and Medicare premiums.
• Why your savings rate matters more than contribution limits.
• How to use a 25% savings rate as a framework for smarter, more balanced saving.
• The power of tax allocation by spreading savings across 401(k), Roth, and brokerage accounts.
• How building tax flexibility now gives you more control over your retirement income later.

Because real wealth isn’t about maxing out a single account, it’s about creating options across all of them.

🎧 Tune in and learn how to make your savings work smarter, not just harder.

Helping you to be wise with your money!
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