EPISODE · Feb 1, 2026 · 14 MIN
税痛一次，还是被税折磨一辈子：Roth 转换的真相
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如果你已经接近退休，还持有大量传统账户，真正该问的问题不再是：“我该不该做 Roth 转换？”而是：“我为什么不做？”一次性转换是数学最优；分期转换是现实妥协；什么都不做，往往是最昂贵的选择。从更高一层看，这不是省税技巧，而是降低一生税收熵的问题。钱喜欢干净的环境。Roth，就是干净室。 This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit wellandready.substack.com
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税痛一次，还是被税折磨一辈子：Roth 转换的真相
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