How Roth IRA Conversions Lock In Your Tax Rate in 2026

With tax brackets scheduled to revert to 2017 levels at the end of 2025, 2026 is a critical year for Roth IRA conversions. Lucas and Luna break down the strategy using a concrete example—a 45-year-old software engineer with a $400,000 traditional IRA. They explain the tax arbitrage opportunity, the five-year rule, the impact of the SECURE Act 2.0 on inherited IRAs, and how to avoid triggering the Net Investment Income Tax. Perfect for anyone with a pretax retirement account wondering whether to convert before rates rise. #TaxPolicy #RothIRA #RothConversion #RetirementPlanning #IRA #TaxStrategy #TaxBrackets #IncomeTax #SECUREAct #InheritedIRA #FinancialPlanning #TaxPlanning #Economics #PersonalFinance #Investing #LucasAndLuna #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo