Build Enduring Wealth for Retirement Course
Episode 4
Savings buckets.
A stronger retirement plan starts with knowing where your dollars live before deciding how they should be invested.
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Savings Buckets
Marco explains how 401(k)s, IRAs, Roth accounts, HSAs, and tax-location choices can work together in your retirement plan.
Watch on YouTube →Episode 4 Companion Workbook
Give each retirement dollar a clearer role.
The Episode 4 Savings Buckets Workbook helps you inventory where your retirement dollars currently live and distinguish account tax wrappers from the investments inside them.
Use it alongside the lesson to map taxable, tax-deferred, and tax-free savings, then prepare questions for a more coordinated planning conversation.
The Lesson
Start with where your retirement dollars live.
Retirement planning is not just a question of what you own. It also matters whether those dollars sit in a taxable account, a tax-deferred account, or a tax-free account, and how each choice affects the rest of your plan.
In Episode 4, Marco Lima, CFP® introduces a savings buckets approach for organizing 401(k)s, IRAs, Roth accounts, HSAs, and other savings before making investment and withdrawal decisions.
In This Episode
See the role each savings bucket can play.
- Why account types and investments need to be considered separately
- How 401(k)s, IRAs, Roth accounts, and HSAs can serve different purposes
- The difference between taxable, tax-deferred, and tax-free savings
- How tax location can affect retirement income choices
- Why every financial decision is connected to the rest of your plan
- Practical steps for organizing your retirement savings
Featured Topics
The Central Question
Account Types and Investments
Taxable Savings
Tax-Deferred Savings
Tax-Free Savings
Tax-Location Decisions
Action Checklist
The Full Course
Your 9-episode retirement roadmap.
Follow the complete Build Enduring Wealth for Retirement series, one connected decision at a time.
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Keep connecting the full picture.
Each lesson adds another practical perspective for thinking through the decisions that shape retirement.
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