Toby Woody on Instagram: "Most people are doing exactly what they were told to do for retirement. ✔️ Contribute to your 401k ✔️ Take the employer match ✔️ Hope it works out But almost no one ever explained the differences between a 401k, 403b, TSP, and a Roth IRA — or how taxes impact your retirement later. Here’s the truth 👇 Retirement isn’t just about how much you save. It’s about how much you keep. Many families are unknowingly setting themselves up for: • Higher taxes in retirement • Limite