Roth 401(k) to Roth IRA: The Tax Rule Most People Miss | EP 80

Make It Personal Podcast · Jul 16, 2026 · 4m

Thinking about rolling over a Roth 401(k) to a Roth IRA after leaving your employer? Before you do, it’s important to understand how Roth 401(k) rollovers actually work, especially when your account includes employer matching contributions, pre-tax money, and after-tax Roth contributions.

Many people assume that because an account says “Roth,” every dollar inside it is automatically tax-free forever. But that is not always true. In this episode of Make It Personal, we answer Jennifer’s question about how Roth 401(k) to Roth IRA rollovers are tracked, what happens to employer pre-tax…