Should I Convert My Entire IRA To A Roth All At Once?

Ramsey Everyday Millionaires

Ramsey Network

Business, Careers, Investing

4.8 • 3.6K Ratings

🗓️ 6 August 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	This episode is brought to you by SmartVester.
0:08.0	Connect with an investing pro near you at ramsysolutions.com slash smartvester.
0:13.8	Anne is with us.
0:15.3	Anne is in New Orleans.
0:16.8	Hi, Ann, welcome to the Ramsey show.
0:18.9	Hi.
0:19.5	I hope I'm smarter five minutes from now.
0:24.8	I can't promise that.
0:28.3	So I'm a little late to this Roth conversion party.
0:33.4	And last year, I moved $100,000 from my IRA to a Roth and got a very rude awakening with my tax bill because we went from 24% to 32%.
0:50.9	And so I'm just wondering, is it better to just take the poison pill and move it all, dribble it out $50,000 to $100,000 a year?
1:06.1	I mean, somebody's talking about charitable remainder trust, but that seems too complicated for me, and I don't
1:12.6	want to do something that I can't understand. So I just need a little wisdom. Yeah, how much is it
1:18.2	total that you're trying to convert? 2.3 million. Oh. Wow. Okay.
1:35.1	Well, I'm sure you probably already understand that the whole tax bill did not move to 32%. We have what's called a marginal tax system.
1:38.0	Right, right, correct, correct.
1:38.8	So just the last portion moved to 32%.
1:41.7	Right, yeah.
1:42.3	But not the whole thing.
1:43.7	If you had moved 2.3 million, most of it would be at more than 32.
1:47.8	It would bump on it from there.
1:53.2	How old are you?
	...

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