# @edwardcollins_upleveled on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DMx4ZUURIDN
- **Gondola URL:** https://gondola.cc/posts/35104085-edwardcollins-upleveled-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/c50511e387.jpg
- **Posted:** 2025-07-31T16:47:48.000+00:00
- **Account Owner:** Edward Collins | Money Lawyer & Wealth Strategist (@edwardcollins_upleveled) — https://gondola.cc/edwardcollins_upleveled

## Caption

Do You Have a Roth IRA or Roth 401(k)? You Should. 

Before we go further — drop your answer in the comments. I’m genuinely curious. 👇 

Because here’s the deal: 

The Roth is one of the most underutilized, overpowered tools in personal finance. 

Let’s break it down: 

🔹 How It Works: 

❌ No tax deduction today (unlike traditional IRAs or 401(k)s). 

✅ But the money grows tax-deferred. 

✅ And withdrawals are 100% tax-free after age 59½. 

That means… 

📈 Compound growth — without the IRS taking a slice. 

Ever. 

🔹 The #1 Objection I Hear: 

“Won’t the government just change the rules?” 

Sure, they could. 

But historically, when tax laws change — especially retirement-related ones — 

Congress tends to grandfather in those who’ve already taken action. 

Translation: 

If you start now, you’re likely protected later. 

🔹 Why This Matters: 

If you’re not using a Roth strategy yet… 

You’re skipping one of the cleanest, most tax-efficient wealth-building paths out there. 

Whether it’s a Roth IRA or a Roth 401(k)… 

💡 This is one of those rare “set it and benefit forever” tools — if you do it right. 

🧠 Want help thinking through your own Roth game plan? 

Drop your questions in the comments — or send me a message and let’s figure it out together. 

Credit (IG): Braiden Shaw [braidenshaw] 

 SF0735

## Stats

- **Views:** 10,508
- **Likes:** 648
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- **Comments:** 25

## Credits

These are the roles credited on Gondola. Credits may be incomplete.
A brand, account owner, or featured person is not necessarily the creator.

| Name | Username | Profile | Role |
| --- | --- | --- | --- |
| Edward Collins | Money Lawyer & Wealth Strategist | @edwardcollins_upleveled | https://gondola.cc/edwardcollins_upleveled | Talent |
| Hector Garcia | @Hector_FilmSchool | https://gondola.cc/Hector_FilmSchool | Content Producer |

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