When Roth Conversions Don't Make Sense (And When They're a No-Brainer) - 576
Your Money, Your Wealth
Your Money, Your Wealth
4.6 • 790 Ratings
🗓️ 7 April 2026
⏱️ 43 minutes
🧾️ Download transcript
Summary
Are Roth conversions worth it? We'll find out, today on Your Money, Your Wealth® podcast number 576. TJ in PA is gonna have huge capital gains. Joe and Big Al spitball on whether it's worth it for him to convert. Rebels Without a Gauze in New England are over 70. Is it too late for them to convert? How much should Biking Barnsey convert from his tax-deferred accounts to Roth each year, and are there any single ladies in the YMYW audience that would like to help him spend his retirement money? Finally, the fellas spitball on whether Zisi and his wife are being too aggressive with their conversion strategy.
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https://bit.ly/ymyw-576 (full show notes & episode transcript)
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Chapters:
00:00 - Intro: This Week on the YMYW Podcast 00:55 - We Have Over $7M. Capital Gains are Huge. Are Roth Conversions Worth It? (TJ in PA) 12:37 - Too Late for Roth Conversions at Age 70+? (Rebels Without a Gauze, CT) 23:19 - Am I Spending Too Much or Not Enough in Retirement? How Much Should I Convert? (Biking Barnsey, Arkansas) 33:37 - We have $18M. Are We Doing Too Many Roth Conversions Before Age 75? (Zisi) 41:14 - Outro: Next Week on the YMYW Podcast 42:16 - The Derails: Big Al's New Jacket
Transcript
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| 0:00.0 | Are Roth conversions worth it? We'll find out today on your money, your wealth podcast number 576. |
| 0:06.0 | TJ in PA is going to have huge capital gains. |
| 0:10.0 | Joe and Big Al spitball on whether it's worth it for him to convert. |
| 0:13.0 | Rebels without a gauze in New England are over 70. |
| 0:17.0 | Is it too late for them to convert? |
| 0:19.0 | How much should Viking Barnsey convert from his tax-deferred accounts to Roth each year? |
| 0:23.6 | And are there any single ladies in the YMIW audience that would like to help him spend his retirement money? |
| 0:29.6 | Finally, the fellow spitball on whether Zizi and his wife are being too aggressive with their conversion strategy. |
| 0:35.6 | By the way, every time you leave your honest ratings and |
| 0:38.3 | reviews for YMIW and Apple Podcasts, or any of the other apps that let you do that, you're |
| 0:43.5 | helping someone escape those boring money podcasts. I'm executive producer Andy Last, and here are the hosts of your money, your wealth, Jill Anderson, CFP, and Big Al Clopine CPA. |
| 0:54.9 | Let's go to TJ from PA. |
| 0:58.1 | I've been listening to your podcast for about three years. |
| 1:01.2 | Well, congratulations. |
| 1:02.5 | Wow, that's longer than most. |
| 1:03.9 | That's going to be in the top ten, right? |
| 1:06.3 | We don't drink that much. |
| 1:08.6 | If we do, it's a rosé red wine will be the choice. |
| 1:11.9 | We drive 2015 Honda, a CRV, and a 2023 Lexus RX350. |
| 1:16.9 | Question is, Roth conversion's worth it in our situation. |
| 1:20.4 | Here's our finances. |
| 1:21.9 | We have an IRA account of $2.5 million. |
... |
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