Early Retirement Roadmap1 Jul 2025

🚨Roth Conversion Warning: Miss This 2025 Window, Regret It FOREVER!

🚨 Roth Conversion Warning: Miss This 2025 Window, Regret It FOREVER! In this episode, I break down why Roth conversions in 2025 are more important than ever—and how early retirees, those already retired, or those thinking about retirement could face massive tax regret if they don’t act soon.

Whether you're already in early retirement or planning to retire soon, you'll learn:

✅ Why the 2025 Roth conversion deadline is a critical tax planning window

✅ How losing ACA subsidies in 2026 could spike your health insurance costs

✅ What triggers Medicare IRMAA penalties—and how to avoid them

✅ How to run your Roth conversion numbers the smart way - all the things you need to be aware of to avoid potential pitfalls

✅ Estate planning, tax brackets, and how strategic Roth conversions can save you six figures

🔥 Don’t miss this Roth conversion opportunity—use it before it disappears.

Resources mentioned or for more information:

📊 Department of Treasury, U.S. National Debt: https://fiscaldata.treasury.gov/americas-finance-guide/national-debt/

📊 Charles Scwaab Conversion Calculator: https://www.schwab.com/ira/ira-calculators/roth-ira-conversion

📊Boldin Conversion Calculator: https://www.boldin.com/retirement/roth-conversion-calculator/

📊Bloomberg Government: 2025 Tax Policy Crossroads—What Will Happen When the TCJA Expires?: https://about.bgov.com/insights/elections/2025-tax-policy-crossroads-what-will-happen-when-the-tcja-expires/

📊Thomson Reuters: What to know about TCJA expiration: https://tax.thomsonreuters.com/blog/what-to-know-about-tcja-expiration/

📊Mariner Wealth Advisors: Early Retirement and Roth Conversions: https://www.marinerwealthadvisors.com/insights/early-retirement-should-you-consider-a-roth-conversion/

📊Kiplinger: Benefits of Roth IRA Conversions Early in Retirement: https://www.kiplinger.com/retirement/benefits-of-roth-ira-conversions-early-in-retirement

📊Investopedia: How Much Tax Do You Pay on a Roth IRA Conversion?: https://www.investopedia.com/articles/retirement/08/roth-conversion-2010.asp

📊Wells Fargo: Roth IRA Conversion Rules and FAQ: https://www.wellsfargo.com/investing/retirement/ira/roth-ira-conversion/

📊Money With Katie: The Roth Conversion Ladder: https://moneywithkatie.com/blog/how-to-use-your-401k-in-early-retirement-without-a-10-penalty

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💼My Favorite Retirement Planning Tool. If you're serious about planning for early retirement, you've got to check out Boldin. It's a powerful tool that helps you map out your financial future -- whether you're a DIY planner or just want to stress-test your retirement strategy. I personally use it and highly recommend! Try Boldin here: https://go.boldin.com/earlyretirementroadmap

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DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.

#rothconversion #retireearly #retirementplanning #taxplanning #taxesinretirement #earlyretirement

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