Roth Conversions vs. 0% Capital Gains Rate: a Retirement Tax Trap? - 556
Your Money, Your Wealth
Your Money, Your Wealth
2.3 • 681 Ratings
🗓️ 18 November 2025
⏱️ 31 minutes
🧾️ Download transcript
Summary
Joe Anderson, CFP® and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Your Wealth® podcast number 556. Joe Momma from Virginia wants to know if his zero percent capital-gains strategy is too good to be true, if he can trust his advisor, and if it's finally time to start converting to Roth. David in Poway is already converting his IRA to Roth, but should they convert his wife Shannon's too? Thomas wonders when in retirement to finally start using the Roth money he's saved, instead of just admiring it. And Lizzy and Billy from Texas want to know if $3.5 million is enough for them to retire in 7 years at ages 62 and 65.
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https://bit.ly/ymyw-556 (full show notes & episode transcript)
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Escape These 11 Tax Traps and You'll Save in Retirement - YMYW TV
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Chapters:
00:00 - Intro: This Week on the YMYW Podcast
00:46 - Keep 0% Capital Gains or Convert to Roth? Should I Trust My Advisor? (Joe Momma, VA)
12:03 - I'm Converting My IRA to Roth. Should We Convert My Wife's IRA Too? (David & Shannon, Poway, CA)
17:39 - How to Use Roth IRA Money in Retirement (Thomas)
25:34 - Can We Retire at in 7 Years at 62 and 65 on $3.5M? (Lizzy and Billy, TX)
29:33 - Outro: Next Week on the YMYYW Podcast
Transcript
Click on a timestamp to play from that location
| 0:00.0 | Joe and Big Al spitball on Roth conversions, capital gains, and retirement readiness from every angle. |
| 0:05.9 | Today on Your Money, Your Wealth podcast number 556. |
| 0:09.4 | Joe Mama from Virginia wants to know if his 0% capital gain strategy is too good to be true, |
| 0:15.3 | if he can trust his advisor, and if it's time to finally start converting to Roth. |
| 0:20.3 | David and Poway is already converting his IRA, |
| 0:22.6 | but should they convert his wife Shannon's too? |
| 0:25.6 | Thomas wonders when to finally start using that Roth money |
| 0:27.6 | instead of just admiring it, |
| 0:29.6 | and Lizzie and Billy from Texas want to know |
| 0:31.6 | if $3.5 million is enough for them to retire |
| 0:34.6 | in seven years at ages 62 and 65. |
| 0:38.7 | I'm executive producer Andy Last and here are the hosts of the Your Money, Your Wealth |
| 0:42.6 | Play Group, Joe Anderson, CFP and Big Al Clopine CPA. |
| 0:46.8 | We got Joe Mama, Joe Mama and Virginia. |
| 0:50.3 | Okay. |
| 0:51.3 | All right, Joe, Big Al, Andy, love the show. Started listening about six months ago, binge while in the car. |
| 0:56.8 | Just binging away. |
| 0:57.7 | I mean, he must have a commute. |
| 0:59.6 | It must be a long one, huh? |
| 1:01.9 | Wipes 58. |
| 1:03.0 | I'm 57, both retired. |
| 1:04.5 | Yes, I married an older woman. |
... |
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