This week on episode 26, we revisit the Roth conversion ladder, a method used to spend retirement money early without penalty and with little to no tax burden.
Topics on How to Spend Retirement Money Early
- What is a Roth conversion ladder?
- How can we save for retirement and withdraw those funds early without penalty and with little or no tax burden?
- Establishing how much our lives cost and our current and future tax burden
- The ethics and morals of lowering our tax burden
- Roth vs traditional 401(k) contributions during our working years
- Step-by-step process on how and when to execute a Roth conversion ladder.
- How much money should be converted each year?
- Our 2021 Roth conversion plan
- Options for spending money during the “seasoning” process of a Roth conversion
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