How Roth Conversions Can Lower Your Lifetime Tax Bill

In Episode 9 of The Tax Strategy Podcast, Lucas and Luna break down the Roth IRA conversion ladder — a strategy that lets you move pre-tax retirement dollars into a Roth account at a lower marginal rate, then withdraw them tax-free in retirement. They walk through a concrete example: a married couple earning $120,000 who converts $30,000 per year for five years, paying roughly $3,600 in extra tax each year but saving over $150,000 in lifetime taxes. They also explain the five-year rule, the pro-rata rule, and why 2026's lower tax brackets (set to expire in 2026) make now a particularly good time to convert. Finally, they share how listener support via Buy Me a Coffee helps keep the show ad-free. #RothIRA #RothConversion #TaxStrategy #RetirementPlanning #IRA #TaxPlanning #2026TaxBrackets #ConversationLadder #ProRataRule #FiveYearRule #TaxFreeWithdrawals #MarginalTaxRate #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #TaxPodcast #Fexingo Keep every episode free: buymeacoffee.com/fexingo