White Coat Investor Podcast

WCI #229: Retirement Accounts Q&A

Sep 23, 2021
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ANECDOTE

Host Promotes WCI Con And Courses

  • Dr. Jim Dahle plugs WCI CON and a passive real estate course and shares registration details.
  • He uses personal reminders like swag bags and virtual options to encourage listeners to sign up.
ADVICE

Favor Roth During Low-Earning Years

  • Use Roth accounts during low-earning training years to minimize lifetime taxes.
  • Convert prior pretax residency 403(b) balances to a Roth IRA or Roth 403(b) if you plan to keep the money for retirement.
ADVICE

Put Tax-Inefficient Assets In Protected Accounts

  • Move tax-inefficient assets (like REITs and bonds) into tax-advantaged accounts when practical.
  • If capital gains are small, consider paying the tax to simplify your taxable portfolio or donate appreciated assets to charity.
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