Root Collective member Gary asks how to fund a $40K home remodel before retiring—should he use a taxable brokerage account, tax-deferred 401(k), Roth IRA, or cash?
Ari and I break down how to handle big one-off expenses into a three-part framework:
The key? Plan ahead, align financial decisions with long-term goals, and make the most of your Retirement funds.
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On the Ready For Retirement podcast: Apply Here
On a Retirement Makeover episode: Apply Here
Timestamps:
0:00 – Gary R's question
2:52 – Can your retirement support it?
4:43 – How should investments be allocated?
6:28 – Have a tax strategy
8:54 – A caution; a reminder about Sleep
12:03 – Intentionally set aside
14:23 – Mental hang-ups and biases
16:37 – The Collective Community
Create Your Custom Strategy ⬇️
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