Too Much 401k Money? The $3M Roth Conversion Problem - 579

Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the cards: that's today on Your Money, Your Wealth® podcast 579 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Brian in New York and "Todd and Margo" in Utah each have over $3 million in their pre-tax accounts. What should their Roth conversion strategies look like, and can Todd retire this year? But first up, should "Captain Morgan" go Roth to avoid RMDs and can he retire in a couple of years? Should "Klo Jopine" contribute to Roth instead of traditional if his income will always remain the same? Finally, Kyle and Katie have high incomes and need a spitball on how they can avoid future RMDs. Ya think Roth conversions might be in their future? We'll find out. Free Financial Resources in This Episode: (full show notes & episode transcript) LIMITED TIME SPECIAL OFFER: THE DIY RETIREMENT GUIDE - download before the Special Offer changes on Friday, May 1, 2026! Financial Advisors Expose Internet's Worst Retirement Strategies! - YMYW TV: Financial Blueprint (self-guided): Financial Assessment (Meet with an experienced professional): REQUEST your Retirement Spitball Analysis: DOWNLOAD more free guides: READ financial blogs: WATCH educational videos:

You can listen to Too Much 401k Money? The $3M Roth Conversion Problem - 579 online on Radio and Podcast. Open the player on this page to stream the available audio.

Too Much 401k Money? The $3M Roth Conversion Problem - 579 is an episode from Your Money, Your Wealth by Your Money, Your Wealth.

This episode is 46:21 long.

This episode was published on Apr 28, 2026.

Yes. Use the heart button on the episode page to add it to your favorite episodes list.

Yes. This page shows related episodes from Your Money, Your Wealth when more episodes are available from the podcast feed.