09/22/2025
📰 I read something interesting today: early 1 in 5 Gen Z workers are saving through Roth 401(k)s — more than any other generation. Why? Because they love the idea of tax-free money in retirement.
➡️ But here’s something most people don’t know: Indexed Universal Life (IUL) works a lot like a Roth. You put in after-tax dollars, your cash value grows tax-deferred, and you can pull money out tax-free later.
The twist? Unlike a Roth 401(k), you’re not capped at income limits, you don’t have age restrictions on access, and you also get life insurance protection for your family. That’s why I often call IUL the ‘Roth alternative’ for people who want flexibility plus security.
Curious how an IUL might fit alongside your Roth or 401(k)? Drop a 👍 in the comments and let’s talk.
https://www.investopedia.com/nearly-1-in-5-gen-z-workers-are-using-this-account-to-save-for-retirement-surpassing-other-generation-11807474