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A YMYW listener from Missouri and his wife are retired at 69 and 67, with less than $2 million dollars. Should they continue converting retirement savings to Roth for the tax-free growth? What should they do about long term care insurance? More importantly, is our...
Updated for 2026: Interested in a retirement account that will expand your finances tax-free? Learn everything your need to know about Roth IRAs in this white paper. In this guide, you’ll learn… What a Roth IRA is and the benefits Differences between a Roth IRA and Traditional IRA Rules of Roth IRA contribution limits Roth […]
Should Jim in New Jersey do the YMYW-infamous Megatron (the Mega Backdoor Roth IRA) or use his Roth 401(k) – and how can he keep bonds out of his Roth accounts? Joe and Big Al discuss the January first start date when it comes to...
Are you behind on your retirement savings? What do you need to do to catch up? If you retire in just a few years, will your money last until age 90? Based on the 5-year Roth withdrawal rules, do you need to open a new...
One of the most powerful retirement tools that Congress has ever given taxpayers is the Roth, but not everyone is taking advantage of its big tax benefits. Many say they don’t even know investing in Roth is an option, much less how to maximize its advantages. Whether your workplace has the Roth option or not, […]
Should you save for a house down payment or invest for retirement? How much long term capital gains tax do you pay on a rental property when you sell it after 20 years, and how does a 1031 exchange work? Also, opening a Roth IRA...
Updated for 2022: The 5-year clock starts with the first dollar in your first Roth IRA. This guide will lay out what you need to know for Roth IRA withdrawals. In this guide, you will learn some of the rules for Roth IRA withdrawals: Roth IRA withdrawals when you are OVER 59 1/2 Roth IRA […]
Roth retirement accounts provide tax-free growth on your investments for life, but the rules and strategies can be extensive – and complicated! It’s important that you understand them thoroughly before you begin making contributions, conversions, or withdrawals. Sign up for The Complete Roth Papers Package and you’ll receive: The Roth Basics Guide: eligibility, income limits, […]
How do you calculate Roth conversions to reduce taxes when you reach required minimum distribution age? What are the rules for RMDs from a Roth 401(k)? How does the 5 year Roth clock factor into a decision to leave money in an old Roth 401(k)...
Backdoor Roth IRA withdrawal rules and the mechanics of the mega backdoor (dump truck!) Roth. Can you still contribute to a Roth after a rollover? How do you calculate Roth conversion taxes due to the pro-rata rule? Also, how to calculate your retirement number for a long retirement or by age; a radical portfolio rebalance; […]
