Your 401k Plan's In-Plan Roth Rollover May Be a Hidden Tax Minefield

Episode 49 of The 401k Podcast with Fexingo unpacks the surprisingly tricky tax implications of in-plan Roth rollovers — the option to convert your pre-tax 401k savings to Roth while still employed. Lucas and Luna walk through a concrete example: a mid-career saver with $200,000 in pre-tax 401k assets considering a partial rollover. They explain why the tax bill is immediate and often overlooked, how the 2026 marginal rate brackets and the sunset of the Tax Cuts and Jobs Act provisions next year could affect the decision, and when it actually makes sense vs. when it's a costly mistake. Perfect for listeners who've seen the 'convert to Roth' button in their 401k portal and wondered if they should click it. No advice, just the math and the trade-offs. #401k #RothRollover #InPlanRoth #TaxPlanning #RetirementSavings #EmployerPlan #PreTaxVsRoth #TaxCutsAndJobsAct #MarginalTaxRates #Finance #RetirementPlanning #FexingoBusiness #BusinessPodcast #401kPodcast #TaxMistakes #LucasAndLuna #FinancialLiteracy #WealthBuilding Keep every episode free: buymeacoffee.com/fexingo