Ever feel like picking retirement accounts is a game of pin-the-tail-on-the-donkey? Dave Ramsey says most folks are just guessing with their 401(k)s, and that could cost you big in taxes later. His money hack? He’s all about the Roth IRA—pay taxes now, but when you retire, your money (and its growth) is all yours, tax-free. If you want to keep more of your hard-earned cash, maybe it’s time to give the Roth IRA a second look! #MoneyHacks #RetirementPlanning #DaveRamsey #RothIRA #PersonalFinance #Finance