Most people know their 401(k) is key to retirement, but few understand how each account type affects their taxes and long-term flexibility. This episode breaks down the differences between pre-tax, Roth, and after-tax contributions, helping you see how each fit into your overall strategy. Scott also shares how small shifts today can lead to major savings later. Tune in to make sure you’re using your 401(k) to its fullest potential!

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

💰401(k) Basics: What it really is and how it works

🧾 Tax Buckets Explained: Pre-tax, after-tax, and Roth differences

🤝Employer Contributions: How airline auto-contributions work

✈️ Pilot-Specific Insight: Tailored planning for higher earners

⏳ Catch-Up Rules: Maximizing contributions after age 50

Resources:

Our website: https://retireairlines.com/

Phone: (419) 314-4139

Contact our team: https://retireairlines.com/contact-us/

Schedule an introductory call: http://callosborn.com/

Order your no-cost retirement toolkit: https://keap.page/lde199/the-pilot-s-planner-toolkit.html

Check out our other no-cost financial resources & guides here: https://retireairlines.com/guides-whitepapers/

The “When I Die” binder: https://retireairlines.com/wp-content/uploads/2024/10/Scott-O-FILLABLE-BINDER-10.22.24-1.pdf

Watch the podcast on YouTube: https://www.youtube.com/channel/UC_hNGqqVjqgtuoYZlu9i4yQ