Suze Orman's Women & Money (And Everyone Smart Enough To Listen) Roth Conversions: What You Need to Know
Aug 14, 2025
Discover the ins and outs of Roth IRA conversions and the critical five-year rule. Learn how couples can fairly split expenses based on income percentages while balancing household responsibilities. The conversation also dives into protecting your investments from currency fluctuations and explores intriguing questions about Bitcoin and home titles. Personal anecdotes mixed with practical financial advice make complex topics relatable, helping you navigate important decisions for a secure financial future.
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Share Expenses By Equal Percentages
- Contribute to joint expenses by equal percentages of income, not equal dollar amounts.
- Calculate each partner's share by dividing total expenses by combined take-home pay and apply that percentage to each paycheck.
Discuss Chores Alongside Finances
- Talk with your partner about household chores and money so both feel the arrangement is fair.
- Reassign chores if the financial split doesn't reflect the workload at home.
Each Roth Conversion Has Its Own Five-Year Rule
- Each Roth conversion triggers its own five-year clock for tax-free earnings withdrawal.
- Conversions count as if done on January 1 of that year, so plan timing to meet the five-year rule.