Should I Convert My Traditional IRAs to Roth?
Jill on Money with Jill Schlesinger
Audacy
4.6 • 1.9K Ratings
🗓️ 23 September 2025
⏱️ 23 minutes
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Summary
I max out my 401(k) with everything going into the Roth option. I still have some pre-tax money left in a traditional IRA, should I convert it?
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"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.
Transcript
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| 0:00.0 | Welcome to the Jill on Money Show. |
| 0:05.4 | It's Tuesday, September 23rd, and we are here to talk about you, your financial life, what's going on. |
| 0:13.5 | But first, let's talk about me for a second. |
| 0:16.2 | I am now one day back from my big 275-mile charitable bike ride. Mark, come on the air. Can I share with you? |
| 0:25.1 | How are you feeling? I feel pretty good. You know what? I rode every one of the 275 miles, |
| 0:31.6 | as predicted by Mark Talercio, best executive producer in the world. How did you know that? |
| 0:37.3 | You've done it before, and my guess is you'll probably do it again. |
| 0:40.5 | I don't know. |
| 0:41.3 | It was great. |
| 0:43.0 | It was such an incredible experience. |
| 0:45.8 | What, like, you know, 260 riders doing, you know, sort of all riding for a cause. |
| 0:51.5 | It was an incredible experience. |
| 0:53.4 | A few observations. So it was from Boston to New York. |
| 0:58.3 | There are a lot of hills in the state of Connecticut. We talked about this with some people from |
| 1:02.2 | Connecticut. There are a lot of hills. The ride that I did three years ago was also 275 miles, |
| 1:08.7 | but the route has changed. So to be clear, Mark, the second day was |
| 1:13.1 | 122 miles and I did all 122. And weirdly, I felt better on day two than on day one. Day one was like |
| 1:21.8 | 40 miles was like so sweet, no problem. The first 40 miles, I was like, yeah, I got this. |
| 1:26.8 | And then like the next 43 |
| 1:28.7 | miles of day one, it was all his. It was incredible. I literally was like, what is happening right now? |
| 1:36.1 | It was beyond. I was exhausted. I was completely exhausted. And I did a lot of training. I did a better |
| 1:44.0 | job of training. Thank you, Samantha, |
... |
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