Why Roth IRA Recharacterization Still Matters in 2026

Episode 18 of Roth IRA with Fexingo tackles a surprisingly alive topic: recharacterization. Lucas and Luna explain how the IRS rule allowing you to undo a Roth conversion or change a contribution from Roth to traditional IRA still works in 2026 — despite the Tax Cuts and Jobs Act killing it for conversions after 2017. They walk through a concrete example of a listener who accidentally contributed to a Roth IRA while over the income limit, and how recharacterization saved them from a 6% excise tax. The episode also covers the one scenario where recharacterization of a conversion is still allowed (hint: it involves a failed conversion due to a broken rollover), and why high earners should keep this tool in their back pocket for the annual contribution fix. No fluff, just rules and a real fix. #RothIRA #Recharacterization #IRARules #TaxPlanning #Retirement #IRS #BackdoorRoth #ContributionLimits #ExciseTax #Finance #PersonalFinance #WealthManagement #Fexingo #FexingoBusiness #BusinessPodcast #TaxTips #IRAContributions #FinancialLiteracy Keep every episode free: buymeacoffee.com/fexingo