HSA to Roth, RMD Investing, and Social Security Strategies - 429
Your Money, Your Wealth
Your Money, Your Wealth
4.6 • 792 Ratings
🗓️ 16 May 2023
⏱️ 33 minutes
🧾️ Download transcript
Summary
Can you convert your health savings account (HSA) to Roth, and do the five-year Roth withdrawal clocks apply? What should you do with money you'd been putting to your student loan debt if you're part of the student loan forgiveness program? What's the best way to invest your RMDs, or required minimum distributions? How does IRMAA, the income-related monthly adjustment amount for Medicare, apply to zero-coupon municipal bonds? And finally, strategies for collecting survivor Social Security benefits.
Timestamps:
- 00:49 - Can I Convert a Health Savings Account HSA to Roth IRA and Do the 5-Year Rules Apply? (Philip)
- 07:49 - My Student Loans Were Forgiven. Now Should We Contribute to Roth 403(b)? (Pete, Winston-Salem, NC)
- 15:37 - How Should I Invest Required Minimum Distributions? (Judy, San Diego)
- 22:17 - How is IRMAA for Medicare Applied to Zero Coupon Municipal Bonds? (Jimmy)
- 26:40 - 62 and Widowed: Claim Survivor Social Security Benefits Until Age 67? (Mark, Burke, VA)
- 30:11 - Is Signing Up for Social Security Just Pretty Much Straight Forward? (Michael)
- 32:09 - The Derails
Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-429
- Debt Ceiling and the US Dollar - new educational video
- Talking About Recessions - new blog post
- Medicare Check-Up Guide
- Episode Transcript
- Ask Joe & Big Al On Air
Transcript
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| 0:00.0 | Can you convert your HSA or your health savings account to Roth and do the five-year Roth withdrawal |
| 0:05.5 | clocks apply? A question I don't believe has ever been addressed today on Your Money, Your Wealth |
| 0:10.7 | podcast number 429. Plus, what should you do with money you'd been putting to your student loan debt |
| 0:16.4 | if you're part of the new student loan forgiveness program? What's the best way to invest your RMDs, your required minimum distributions? |
| 0:24.0 | How does Irma, or the income-related monthly adjustment amount for Medicare, |
| 0:28.6 | apply to zero-coupon municipal bonds? |
| 0:31.3 | And finally, strategies for collecting survivor social security benefits. |
| 0:35.6 | If you've got money questions, visit Your Money, Your Wealth.com and click Ask Joe |
| 0:39.6 | and Al on air to send them in. |
| 0:41.7 | I'm producer Andy Last, and here are the hosts of Your Money, Your Wealth, Joe Anderson, |
| 0:46.2 | CFP, and Big Al Clopine CPA. |
| 0:49.2 | Let's go to Phillip Big Al. |
| 0:51.7 | Okay, sounds good, Joe. |
| 0:53.7 | Hi, I really appreciate the info provided through your website. |
| 0:57.8 | So he checks out the website. |
| 1:00.2 | I retired in have a balance in my HSA. |
| 1:02.9 | I've been doing Roth conversion since 2020. |
| 1:05.3 | Is there a way to convert my HSA balance to my Roth IRA? |
| 1:09.5 | What are the rules governing, govern such a conversion based on your |
| 1:15.1 | explanation of the Roth conversion five-year rules? I understand that since my Roth IRA has been |
| 1:19.9 | open and funded for five years, and I'm over 59.5, that I have full access to the Roth IRA balance, |
| 1:26.0 | including conversions and earnings on those conversions, |
... |
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