category / Taxes
When major downturns hit—real ones, not the everyday noise—I don’t panic. I don’t freeze. And I don’t pretend I can predict the exact bottom. I prepare for 30–40% market drawdowns, because history says they will happen. The question isn’t if—it’s how you react when they do. When pre-tax, tax-deferred accounts...
Liquidity, Control, and the Emotional Safety of Accessible Capital As one of my readers, I know you already know this about me: I am a big fan of investing heavily in pre-tax accounts early and then methodically converting those dollars into Roth accounts over time. That framework has served me...
FIT & WHEALTHY Convert. Don’t Sell. Use the Dip. A practical post on using market drawdowns to make strategic Roth conversions, while still preserving the option to direct-contribute to a Roth IRA when you’re near the income limits. Market resilience MAGI mechanics In-plan & IRA conversions Pre-tax saturation gauge The...
The Pre-Tax 401(k) as a “Staging Area” → Roth as the Destination (with Calculators) Educational model (not tax/legal advice). Roth IRA eligibility uses IRS Pub 590-A Worksheet 2-1 mechanics (conversion income is subtracted back out when computing “MAGI for Roth IRA purposes”). This widget does not assume in-plan Roth 401(k)...
