Retirement Answer Man Should I Use My Traditional IRA to Fund My Life or Do Roth Conversions?
6 snips
Nov 26, 2025 In a thought-provoking discussion, the host dives into the complexities of using traditional IRAs versus pursuing Roth conversions for retirement funding. He emphasizes the importance of context in making these decisions. Listeners are encouraged to observe their financial needs before making withdrawals. The benefits of both distributions and conversions are explored, weighing tax implications and future planning strategies. On a lighter note, a challenge is issued to express specific gratitude, making thankfulness a part of everyday life.
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Make Gratitude Specific And Visual
- Be specific when expressing gratitude; name the exact behavior you appreciate to make it meaningful.
- Take mental photographs of memorable moments so you can recall gratitude throughout the year.
Specific Gratitude And A Wedding Snapshot
- Roger describes specific thankful moments with team members to show how specificity deepens gratitude.
- He recounts taking a mental photograph at his daughter's wedding to preserve a meaningful memory.
Decide Based On Need And Yearly Modeling
- If you need IRA money to fund your life, take qualified distributions because the IRA exists to provide income.
- If you don't need IRA money, model Roth conversions vs distributions year-by-year and decide only for the current year.