The Tax Move Most W-2 Employees Are Missing in Their 40s and 50s

Nicholas St George |

Most high-income W-2 employees are doing exactly what they were told to do:
Max out the 401(k). Save aggressively. Keep building.
The problem? Almost nobody is showing them what happens later.

In this episode, I break down one of the most overlooked tax strategies I see with professionals in their 40s and 50s—and why waiting too long to address it can create a massive tax problem in retirement.

We cover:

  • Why “tax deferred” doesn’t always mean “tax efficient”
  • The hidden future risk of large pre-tax retirement accounts
  • How backdoor Roth strategies work
  • Why Roth conversion planning matters before RMDs begin

The difference between tax preparation and actual tax planning
If you’re building wealth but haven’t thought about what your tax bracket could look like at 70… this episode is for you.

Because retirement planning isn’t just about growing your money.
It’s about keeping more of it.