Knowing your 401(k) balance is easy—but knowing how long it will last is another story. JoePat Roop explains why a 401(k) alone isn’t a retirement plan and how taxes, required distributions, and longevity can reshape outcomes. The episode explores common misconceptions around income, Roth conversions, and when tax pressure often shows up later than expected. Listeners hear why planning for withdrawals matters as much as saving—and why clarity beats guessing once retirement begins.

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