Too Much 401k Money? The $3M Roth Conversion Problem - 579
Your Money, Your Wealth
Your Money, Your Wealth
4.6 • 790 Ratings
🗓️ 28 April 2026
⏱️ 46 minutes
🧾️ Download transcript
Summary
Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the cards: that's today on Your Money, Your Wealth® podcast 579 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Brian in New York and "Todd and Margo" in Utah each have over $3 million in their pre-tax accounts. What should their Roth conversion strategies look like, and can Todd retire this year? But first up, should "Captain Morgan" go Roth to avoid RMDs and can he retire in a couple of years? Should "Klo Jopine" contribute to Roth instead of traditional if his income will always remain the same? Finally, Kyle and Katie have high incomes and need a spitball on how they can avoid future RMDs. Ya think Roth conversions might be in their future? We'll find out.
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Chapters:
00:00 - Intro: This Week on the YMYW Podcast 00:58 - Should I Go Roth to Avoid RMDs and Retire at 51? (Captain Morgan, CA) 11:33 - Roth vs Traditional for Flat Income Earners? (Klo Jopine, TN) 22:53 - Big Roth Conversions to Tame a $3.5M 403(b)? (Brian, NY) 27:36 - Can I Retire in 2026 and Spend $200K/yr? (Todd 54 & Margo, UT) 34:53 - How High Income Earners Can Reduce Future RMDs (Kyle & Katie, Midwest) 44:37 - Outro: Next Week on the YMYW Podcast
Transcript
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| 0:00.0 | Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement and whether retiring early is in the cards. |
| 0:08.5 | That's today on your money, your wealth podcast number 579. |
| 0:12.4 | Brian in New York and Todd and Margo in Utah each have over $3 million in their pre-tax accounts. |
| 0:18.4 | What should their Roth conversion strategies look like and can Todd retire this year? |
| 0:22.7 | But first up, should Captain Morgan go Roth to avoid RMDs and can he retire in a couple of years? |
| 0:28.5 | Should Clow Joe Pine contribute to Roth instead of traditional if his income will always remain the same? |
| 0:34.8 | Finally, Kyle and Katie have high incomes and need a spitball on how |
| 0:38.0 | they can avoid future RMDs. You think rock conversions might be in their future? We'll find |
| 0:42.9 | out. Let us know what you think of today's episode. Hop onto our YouTube channel to watch |
| 0:47.4 | us and to join in the conversation in the comments. I'm executive producer Andy Last and |
| 0:51.9 | here are the hosts of your money, your wealth, Joey, CFP, and Big Al Clopine CPA. Let's kick you off with Captain Morgan. You like Captain Morgan? No. You're not a Rome guy. No. I am. I like Captain Morgan. No, sir. Especially the spice room. I like that. Oh, yeah. What, um, wasn't there like a slogan for Captain Morgan? |
| 1:15.0 | Yeah, I mean, he, the pirate, the pirate chair or so. |
| 1:18.6 | Well, I don't know what the slogan was, but he put his, his, his leg and the barrel. |
| 1:23.1 | Yeah. Spice on, apparently is the current slogan. |
| 1:26.8 | Yeah, it's gone. |
| 1:27.4 | Bice on. |
| 1:28.0 | Okay. |
| 1:28.6 | Cool. |
| 1:30.0 | There was also, |
| 1:30.6 | live like a captain and better than gold. |
| 1:33.4 | Okay. |
| 1:34.0 | Okay. |
... |
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