Maximizing Your 401K: Roth Conversions and Strategies for FIRE

from Early Escape: FI & RE Guide · host Jake Carson and Lily Morgan

In this episode of Maximizing Your 401K, Jake Carson and Lily Morgan tackle a listener’s question about what to do with a previous employer-sponsored 401K. With their wife’s new job not offering retirement plans, they’re exploring whether to start Roth ladder conversions for pre and post-tax contributions as part of their 10-year FIRE plan. We break down how Roth conversions work, the tax implications of converting pre-tax versus post-tax contributions, and the benefits of rolling over post-tax dollars into a Roth IRA with no additional taxes. If you’re curious about optimizing your old 401K and building a strategy for early retirement, join us for clear advice on converting funds and maximizing your tax efficiency!

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This episode was published on October 30, 2024.

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