My Roth IRA Conversion - What I Learned

[@robertrohler3644]

Thank you very informative - we appreciate the time you took to present this information.

[@mariomenezes1153]

Hope you are doing well! Thank you for sharing!

[@jayz3523]

Awesome infomation man! Ty! Sub'd.

[@chemistrypodcasts]

I like your advice on breaking up the conversion into chunks. But it could be argued that as long as the market finishes in December of 2025, higher than it was in January 2025, then doing the full conversion in January captures all of those gains in the Roth where they are tax free as opposed to allowing the investment to grow over the course of the year in the traditional IRA and then having to pay more in taxes for the conversion.

[@dentistexit]

Very true. Good point. I guess it comes down to weighing the risk of unexpected income or unplanned tax deferred distributions pushing taxes higher vs. the annual market returns making the taxes higher. I lean toward waiting a little further into the year because it's an irreversible move. Thank you for watching.

[@mspadorchard1]

That is not what that idiom means.