Thinking about your future latte budget? Dave Ramsey says Roth IRAs beat 401(k)s because you get to keep more of your money tax-free when you retire. But don’t skip out on your 401(k) match at work—that’s basically free cash for your future self. The big shift? More folks are mixing both accounts to cover all their retirement bases, since each has different limits and perks. Start early, stay consistent, and let your money work while you sip that brew! #Business #MakeMoney #RetirementHacks