Are today’s tax rates the lowest you’ll ever see in your lifetime?<br />In this episode of Money on Tap, we introduce the concept of “Generation Roth”—a powerful shift in retirement planning focused on building tax-free income in a world where taxes are likely to rise.<br />For decades, traditional retirement planning has relied on tax-deferred strategies like 401(k)s and IRAs. But with growing national debt, changing tax policy, and increasing retirement complexity, that approach may no longer be enough.<br />In this episode, you’ll learn:<br />• Why today’s tax environment may be historically low  <br />• How rising national debt could impact future tax rates  <br />• The truth about being in a “lower tax bracket” in retirement  <br />• What a Roth IRA is and why it matters now more than ever  <br />• How Roth strategies create tax-free income  <br />• Options for high-income earners who can’t contribute directly to a Roth  <br />• The role of Roth conversions and advanced planning strategies  <br />• The concept of “tax diversification” in retirement planning  <br />• How to think about retirement as an income system—not just a savings goal  <br />This episode is designed for anyone who wants to take greater control over their financial future and build a more tax-efficient retirement strategy.<br />Because retirement isn’t just about how much you have—it’s about how much you keep.<br />🎧 Listen now and learn how to position yourself for a more secure and flexible retirement.<br />---<br />📅 Schedule a Retirement Strategy Session:<br />https://app.greminders.com/t/9f3ce72e/initialconsulta  <br />📞 Call: 855-226-8551  <br />📧 Email: [email protected]  <br />---<br />Money on Tap is your personal finance headquarters, bringing together insurance, brokerage, and fee-based planning to help you make smarter financial decisions.<br />Subscribe for weekly insights on retirement planning, investing, and financial independence.<br /><br /><br />What is a Roth IRA and why is it important?<br />A Roth IRA is a retirement account where contributions are made after taxes, allowing the investment to grow tax-free and be withdrawn tax-free in retirement. It is important because it helps reduce future tax risk and provides more predictable retirement income.