Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Fund Early Retirement With a Roth Conversion Ladder
Lucas and Luna unpack the Roth conversion ladder — a strategy that lets early retirees access retirement funds penalty-free before age 59 and a half. They walk through the mechanics: why the five-year clock matters, how to avoid the tax torpedo, and the specific income thresholds where conversions make sense. Using a hypothetical retiree with $800,000 in a traditional IRA, they model a conversion plan that keeps her in the 12 percent bracket while building a tax-free income stream. They also cover the risk of Medicare surcharges and the rule change in 2024 that shortened the waiting period…
The skinny
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