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130 - Should I Do Roth Conversions in Low Income Years? episode artwork

EPISODE · Dec 15, 2021 · 23 MIN

130 - Should I Do Roth Conversions in Low Income Years?

from Real Personal Finance · host Scott Frank and James Conole

Scott and James discuss if you should do Roth Conversions in years where income is relatively low. Listener Question I am currently single and maxing out my 401k. In two more years I'll have been doing this and my Roth IRA for four years total. I plan on going back to training for one year and at that point it will drop me from the 37% tax bracket to 22%. My question is I currently contribute to a Roth 401(k) and I plan to stop doing that and just contribute fully to my 401(k), but in the year I earn less move everything to my Roth IRA, is this the right decision or should I keep contributing part of the Roth 401(k) and regular combined? Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 3:57 - Retirement Contributions 7:07 - Moving Funds To Pre-Tax 10:27 - Contribution Limits 12:40 - Additional Savings 16:51 - Roth Conversions 18:47 - Tax-Gain Harvesting 20:09 - Aligning Your Financial Goals LET'S CONNECT! James Facebook LinkedIn Website Scott Facebook Twitter Website ENJOY THE SHOW? Don’t miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play. Leave us a review on iTunes. Have a money question you want us to answer? Submit one here

What this episode covers

Scott and James discuss if you should do Roth Conversions in years where income is relatively low. Listener Question I am currently single and maxing out my 401k. In two more years I'll have been doing this and my Roth IRA for four years total. I plan on going back to training for one year and at that point it will drop me from the 37% tax bracket to 22%. My question is I currently contribute to a Roth 401(k) and I plan to stop doing that and just contribute fully to my 401(k), but in the y...

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130 - Should I Do Roth Conversions in Low Income Years?

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Frequently Asked Questions

How long is this episode of Real Personal Finance?

This episode is 23 minutes long.

When was this Real Personal Finance episode published?

This episode was published on December 15, 2021.

What is this episode about?

Scott and James discuss if you should do Roth Conversions in years where income is relatively low. Listener Question I am currently single and maxing out my 401k. In two more years I'll have been doing this and my Roth IRA for four years total. I...

Can I download this Real Personal Finance episode?

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