How Retirees Can Use a Roth IRA for Tax-Free Growth in 2026

In this episode of Retirement Planning with Fexingo, Lucas and Luna explore why a Roth IRA remains one of the most powerful tools for tax-free retirement income in 2026. They break down the income limits, contribution rules, and conversion strategies — including how high earners can still get money into a Roth via the backdoor method. The hosts use a concrete example: a 50-year-old couple earning $240,000 who contribute $7,000 each per year for 15 years, growing at 7% to over $350,000 in tax-free withdrawals. They also compare Roth vs. traditional IRA for retirees in different tax brackets, and explain how the SECURE Act's changes to inherited IRAs make Roth accounts even more attractive for legacy planning. If you have a 401k from an old job, they discuss the pros and cons of rolling it into a Roth IRA now versus later. Tune in for actionable strategies to maximize your retirement savings in today's tax environment. #RothIRA #TaxFreeGrowth #RetirementPlanning #BackdoorRoth #IRA #RothConversion #TaxStrategy #LegacyPlanning #SECUREAct #InheritedIRA #RetirementIncome #401kRollover #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #RetirementPodcast #Fexingo Keep every episode free: buymeacoffee.com/fexingo