Jennifer Walsh · April 29, 2026
Over the past few years, I have watched the math on my own retirement accounts shift in a way that demands urgent attention. I know people in their mid-50s who did everything right—maxed their 401(k) every year, lived below their means, accumulated $1.4 million or more in tax-deferred accounts. On paper, they look like retirement … Read more
Jennifer Walsh · April 19, 2026
I still remember 2007, when I was deep in the weeds of my own retirement account strategy and realized something that stuck with me. The advice circulating everywhere back then was to put everything into a traditional IRA for the upfront deduction, and almost nobody running that playbook had modelled it. Take a fairly ordinary … Read more
Jennifer Walsh · April 10, 2026
A few years ago, a surgeon came to me frustrated. She was earning just over $230,000 a year, had maxed out her 401(k), and kept hearing that she “made too much” to contribute to a Roth IRA. She assumed that door was permanently closed. It wasn’t. Within one meeting, we had a backdoor Roth IRA … Read more