On this episode:

In this episode of the Wealthy Pilots Podcast, Scott Osborn breaks down where to contribute your money in 2025. Learn why diversifying your savings across Roth, tax-deferred, and taxable accounts can help you retire with more flexibility and fewer tax headaches. Discover simple tweaks that can make a big difference for your future—whether you’re just starting or already maxing out your 401(k).

Here’s what you’ll learn on this episode:

• The importance of diversifying retirement savings across different tax buckets (Roth, tax-deferred, taxable) to mitigate future tax rate increases
• The benefits of contributing to a Roth 401(k) vs a traditional pre-tax 401(k)
• The concept of in-plan Roth conversions and how they can be used to strategically build tax-free retirement savings

Follow the podcast on  your favorite app or platform:

Here’s some of what we discuss in this episode:

0:00 – Intro
0:46 – Happy New Year
1:20 – Healthy Financial Habits
3:40 – Different Buckets of Money
4:50 – Why Roths Are Worth Investigating
6:45 – Roth 401(k)s & In-Plan Conversions
8:45 – Balancing Your Tax Burden
9:40 – A Regret You Don’t Hear

Resources:

Schedule A Call with Scott

Scott’s Book, A Pilot’s Guide To Maximizing Wealth & Cashflow In Retirement