Roth Conversions vs. 0% Capital Gains Rate: a Retirement Tax Trap? - 556

Joe Anderson, CFP® and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Your Wealth® podcast number 556. Joe Momma from Virginia wants to know if his zero percent capital-gains strategy is too good to be true, if he can trust his advisor, and if it's finally time to start converting to Roth. David in Poway is already converting his IRA to Roth, but should they convert his wife Shannon's too? Thomas wonders when in retirement to finally start using the Roth money he's saved, instead of just admiring it. And Lizzy and Billy from Texas want to know if $3.5 million is enough for them to retire in 7 years at ages 62 and 65.

Free Financial Resources in This Episode:

https://bit.ly/ymyw-556 (full show notes & episode transcript)

2025 Tax Planning Guide - free download

Escape These 11 Tax Traps and You'll Save in Retirement - YMYW TV

Financial Blueprint (self-guided)

Financial Assessment (Meet with an experienced professional)

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Chapters:

00:00 - Intro: This Week on the YMYW Podcast

00:46 - Keep 0% Capital Gains or Convert to Roth? Should I Trust My Advisor? (Joe Momma, VA)

12:03 - I'm Converting My IRA to Roth. Should We Convert My Wife's IRA Too? (David & Shannon, Poway, CA)

17:39 - How to Use Roth IRA Money in Retirement (Thomas)

25:34 - Can We Retire at in 7 Years at 62 and 65 on $3.5M? (Lizzy and Billy, TX)

29:33 - Outro: Next Week on the YMYYW Podcast