Roth Conversions and the 5-Year Rule (Explained!)
About this episode
Want an easy way to learn how the "Roth 5-Year Rule" affects your unique situation?
Subscribe to the Stay Wealthy Retirement Newsletter.
As a thank you, you'll receive my one-page flowchart (PDF) for navigating this confusing rule.
👉 Click here to join the newsletter!
***
TODAY'S EPISODE:
The "Trump-era tax cuts" are set to expire in 2026.
In other words, retirement savers only have two more years to take advantage of today's lower tax rates.
One of the popular strategies to do this is through (aggressive) Roth conversions.
As a result, I've had more questions than ever about the wildly confusing "Roth IRA 5-year rule"...
...specifically as it relates to Roth conversions.
To help simplify this rule, I'm sharing TWO simple questions you can answer to understand how the rule works.
I'm also sharing several real-life examples + my thoughts on what an election year might mean for the Tax Cuts and Jobs Act (TCJA).
***
EPISODE RESOURCES:
📊 Get Your FREE Retirement & Tax Analysis!
✏️ Grab the Episode Show Notes
📘 Check Out the Retirement Podcast Network
Get every episode summarized
Each time Stay Wealthy Retirement Podcast publishes, we email you a written briefing from the transcript — the topics, who appeared, and any specific claims, with the ad reads skipped.
Email me new episodesFree for 3 shows. No card needed.
Hosts & guests
No transcript yet
This episode has not been transcribed. Request it and it moves to the front of the queue.
More episodes
More from Stay Wealthy Retirement Podcast
The Most Overlooked Retirement Decision (It's Not Your Portfolio)
Stay Wealthy Retirement Podcast
The 6-Digit Code That Can Drain Your Retirement Account (And How to Stop It)
Stay Wealthy Retirement Podcast
The Real Cost of a Financial Advisor (And Why the 1% Math Is Misleading)
Stay Wealthy Retirement Podcast
Why the Happiest Retirees Spend Their Money Differently
Stay Wealthy Retirement Podcast