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Category: Retirement

Stupid Roth Tricks*

How many times have you read that Roth accounts will be “tax free forever?”  Alas, forever is a very long time, and also not a word much used by adults, outside of church.  So consider this post a kind of apostasy.  It may cost you your faith in Roth. The present income…

Bogus Roth Math

Ever since Roth conversions were liberalized in 2006, a steady stream of accounts have appeared in various media outlets, purporting to show that you ought to do a Roth conversion. Most accounts wave the bloody shirt of Required Minimum Distributions (RMD), and the dread tax burden you will someday suffer,…