Latest / Align Your Retirement
The Cheapest Tax Years of Your Life: Roth Conversions Before Social Security Starts
Send us Fan Mail
There's a short stretch in early retirement when your paycheck has stopped, Social Security hasn't started, and required withdrawals haven't begun. Your taxable income may be the lowest it will ever be, which makes it the cheapest time to move pre-tax money into a Roth.
That room doesn't carry forward. Each year you don't use it, it's gone, and once required withdrawals start, your income goes up for good.
In this episode:
Why the years between your last paycheck and your RMD age (73 or 75, depending on your birth year) are often the cheapest tax years of your life
Three…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.