Spousal Roth, Backdoor Roth, Social Security, Post-Tax Contributions, HSA Strategy: Q&A #2542

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 730 Ratings

🗓️ 18 October 2025

⏱️ 76 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Jim and Chris discuss listener questions on spousal Roth IRA eligibility, backdoor Roth contributions using a solo 401k, Social Security timing, post-tax contributions to an IRA and 401k , and an HSA strategy coordinating withdrawals with Roth conversions.
(9:30) George asks whether he can contribute to a spousal Roth IRA after his retirement if his wife continues working and their income meets eligibility thresholds.
(20:00) A listener wonders if switching from a SEP IRA to a solo 401k would allow him to make backdoor Roth contributions and improve tax deductions.
(31:45) The guys address a listener’s plan to claim Social Security at 62 despite having sufficient pension income and IRA savings.
(1:01:30) Jim and Chris respond to a question about making post-tax contributions to a traditional IRA and whether post-tax 401k contributions converted to a Roth 401k right away ever create basis.
(1:05:45) A listener considers paying medical expenses from his HSA instead of IRA withdrawals to allow more room for Roth conversions without increasing taxes.

The post Spousal Roth, Backdoor Roth, Social Security, Post-Tax Contributions, HSA Strategy: Q&A #2542 appeared first on The Retirement and IRA Show.

Transcript

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0:00.0	The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment legal or tax advice. All information is believed to be from reliable sources. However, we make no representation as to its completeness or accuracy. All economic and performance information is historical in nature and is not indicative of any future results. Any indices mentioned on the show are unmanaged and cannot be invested indirectly. Diversityiversification and asset allocation strategies do not assure profit or protect against loss.
0:23.7	Never make any investment or financial decisions based on information offered on this show
0:26.8	without first consulting your financial legal or tax advisor.
0:29.6	Financial planning services offered through Jim Solnier and Associates LLC, a registered investment
0:33.3	advisor.
0:38.3	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.7	Join us as certified financial planner Jim Sonier, as well as Colorado State University
0:48.6	Finance instructor and certified financial planner Chris Stein, teach you about IRAs, 401ks, annuities, social
0:56.3	security, pension plans, and estate planning in a fun and enjoyable show. Whether you are listening
1:02.1	live in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know
1:08.1	that they're available to help you plan for your retirement.
1:14.0	Just visit their website at Jimhelps.com.
1:20.1	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:23.0	Now here's Jim and Chris with today's show.
1:32.1	Well, hello everybody and welcome to the Retirement and IRA show Q&A edition for this week.
1:41.2	Coming into a transitional weekend it feels like in Colorado here where we're recording.
1:48.0	Jim's going to have his last hurrah with his garden because it looks like Saturday night. We're recording this Friday. Saturday night it's supposed to get right down
1:53.7	to write about freezing. So we're finally turning the corner, if you will.
2:03.7	Today's show is pretty standard Q&A show.
2:07.8	I know we've got at least one Social Security question to deal with, and then we'll have the randomness of whatever Jim decides to pull out of the hopper on the questions
2:14.2	today.
2:14.8	So I don't forget at the end to, uh, advise you how to send in
	...

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