How Old 401k Accounts Can Pay for Roth Conversions

In Episode 123 of Retirement Planning with Fexingo, Lucas and Luna explore a little-known strategy: using old 401k accounts to cover the tax bill for Roth conversions. They break down why paying conversion taxes from the account itself can actually work in your favor—if you're over 59½. Using a detailed example for a married couple with $300k in a former employer's 401k, they show how this approach lets you keep more money invested, bypasses pro-rata rules, and even allows you to revert to a traditional IRA if the market drops. They also discuss the crucial role of the 60-day rollover window and why waiting until age 72 for RMDs might cost you more in taxes. A fresh angle for listeners who want to supercharge their Roth without draining their savings. #RothConversion #401k #RetirementPlanning #TaxStrategy #Rollover #RMD #Finance #FexingoBusiness #BusinessPodcast #Podcast #Money #Investing #Taxes #Retirement #Old401k #ProRataRule #RothIRA #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo