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Many of us have missed the boat on Roth contributions, but we have another tool to get into Roths: Roth conversions.\\xa0

If you have been curious about all the hype about Roths you won\\u2019t want to miss this series. This month we dive deeper into Roths. In\\xa0episode 494\\xa0we discussed what Roths are,\\xa0last week\\xa0we dove into contributions, and this week we demystify conversions. Listen in to learn how you can use Roth conversions to upgrade your retirement.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

PRACTICAL PLANNING SEGMENT

• [2:44] I try to keep the main thing the main thing
• [3:49] Many of us have missed the boat on Roth contributions
• [7:11] How to perform a Roth conversion
• [8:45] How do you pay the tax on a Roth conversion?
• [14:05] The pros of paying from after-tax assets
• [16:22] The downsides of paying with after-tax assets

LISTENER QUESTIONS

• [19:05] A rule of 55 clarification
• [22:20] What happens if my income is too high to contribute to a Roth
• [23:52] How to create a 5-year cash bucket in down markets
• [30:13] On creating a bond portfolio ladder

BRING IT ON

• [38:12] On relationship building

TODAY\\u2019S SMART SPRINT SEGMENT

• [43:09] Get out of your normal routine and meet new people

Resources Mentioned In This Episode

Episode 494 -\\xa0Roth Opportunity

Rock Retirement Club

Roger\\u2019s YouTube Channel -\\xa0Roger That

BOOK -\\xa0Rock Retirement\\xa0\\xa0by Roger Whitney

Roger\\u2019s\\xa0Retirement Learning Center