#148 - Traditional Vs. Roth IRAs: What Pilots Need to Know
From Passive Income Pilots by Tait Duryea and Ryan Gibson
March 5, 2026 · 46 min · Episode 148
About this episode
Tait Duryea and Ryan Gibson discuss the key differences between Traditional and Roth IRAs, focusing on tax implications and retirement strategies for pilots.
Tait Duryea and Ryan Gibson break down one of the most important retirement decisions pilots face: Traditional vs. Roth IRAs. They explain how taxes impact withdrawals, why required minimum distributions matter, and how poor planning could leave your kids with a massive tax bill. The conversation also explores advanced strategies like Roth conversions, self-directed IRAs, and “Roth chunking” during low-income years. If you want to build wealth through real estate while protecting your retirement from unnecessary taxes, this episode offers practical frameworks to help pilots think long-term about their portfolio, income streams, and legacy planning. Show notes: (0:00) Intro (3:01) Traditional vs Roth fundamentals (7:30) Required minimum distributions explained (11:13) Nest egg vs golden goose investing (14:55) Using self-directed IRAs for real estate (21:37) Inherited IRA tax pitfalls (26:08) Roth chunking for new airline hires (30:58) Strategic Roth conversions during low-income years (35:11) Passive income to fund retirement (38:35) Advanced Roth conversion appraisal strategy (45:38) Outro Related Episode: #110 - The IRA Club Advantage: The Self-Directed IRA Strategy for Pilots…
People in this episode
Hosts: Tait Duryea, Ryan Gibson
Topics covered
- Traditional IRAs
- Roth IRAs
- retirement planning
- tax strategies
- wealth building
- real estate investing
Keywords
- Traditional IRA
- Roth IRA
- retirement
- taxes
- wealth building
- self-directed IRA
- Roth conversions
- legacy planning
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