Retirement Radish?

Just when you thought America had invented every possible retirement account, along comes the Radish. Don and Tom dig into the proposed employer-funded savings plan, the man who helped create the 401(k), and whether workers really need another tax-advantaged vegetable in an already crowded garden.

The practical answer is simpler: start saving now. A Roth IRA and one broad global stock ETF can do more good than waiting for the perfect account—or learning every acronym in the retirement alphabet.

Listener questions cover diversifying beyond rental real estate, whether spreading accounts across custodians is useful cyber insurance, moving emergency cash from Ally to SGOV, Roth 401(k) matching, and Roth IRA withdrawal timing.

00:37 Mountain music and backyard radishes
02:40 The retirement-account alphabet
04:36 What exactly is a Radish plan?
09:04 Save now; simplify later
11:53 Diversifying beyond rental real estate
16:15 TSP, SEP IRA, and custodian cyber risk
19:06 SGOV for an emergency fund
21:26 Roth 401(k) matching and Roth IRA access

Questions? Comments? Click!