In this episode of the Future Value Podcast, hosts John Pellosie, Joe Freemont, and Justin Ahner continue their Investing series with a focus on where you put your money, not just what you invest in.

The team breaks down the concept of asset location, or what they call “money buckets,” and explains how different types of accounts affect your taxes.

You’ll get a clear overview of the three main account types: pre-tax options like traditional 401(k)s and IRAs, tax-free accounts such as Roth IRAs and Roth 401(k)s, and taxable brokerage accounts. They cover contribution limits, employer matches, withdrawal rules, and why diversifying across account types can help ease future financial pressure.

Whether you're just starting your career or revisiting your strategy, this episode offers clear, practical steps to help you make smarter investing decisions and avoid common mistakes.

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