Inside Out Money 124. Listener Q&A with Andrew - US vs. international investing, 457b plans, roth conversion ladders, when to stop contributing to your 401k, tracking HSAs expenses, and more!
17 snips
Aug 18, 2025 Discover the intricacies of retirement planning, from 457B plans to Roth conversion ladders. Learn how to navigate cash management and maximize your 401k contributions effectively. The hosts tackle the debate between U.S. and international investments, emphasizing the need for a diversified portfolio. Gain insights into tracking Health Savings Account expenses efficiently, and uncover strategies for managing Required Minimum Distributions. Packed with humor and real-life anecdotes, this discussion empowers listeners to make informed financial decisions.
AI Snips
Chapters
Books
Transcript
Episode notes
Use Today's Dollars For Retirement Targets
- Calculate retirement needs in today's dollars to keep numbers relatable and understandable.
- Ensure investment return assumptions are inflation-adjusted so comparisons stay apples-to-apples.
Roll 457(b) Into IRA For Flexibility
- Consider rolling a 457(b) into an IRA for distribution flexibility if the plan terms allow it.
- Check plan specifics and tax implications before rolling to preserve control and options.
Model Roth Conversion Ladders Carefully
- Model Roth conversion ladders with software like Projection Lab to optimize tax brackets over conversion years.
- Convert only what fills low tax brackets each year to minimize lifetime taxes and compare to future RMD impact.
