Maximize Your Roth IRA: When Should You Spend Your Roth Money in Retirement?

Описание: We talk a lot about building up Roth IRAs—through contributions and conversions—but don’t always talk about spending from them. So when might it make sense to begin using those tax-free dollars you’ve worked hard to build?

In this episode, I respond to a listener question about timing Roth IRA withdrawals and how they might fit alongside traditional IRA distributions. I’ll walk through a framework we often use to help clients evaluate when drawing from a Roth could support their broader planning goals—like managing tax brackets, limiting required minimum distributions, or spreading out future tax liability.

I’ll also touch on how Social Security, charitable giving, and legacy planning may factor into the decision—and why we sometimes think of the Roth IRA as a flexible tool for long-term tax strategy.

If you’ve been wondering when to start using your Roth, this episode is for you.

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⏱Timestamps:⏱
0:00 - Question from a listener
1:41 - Consider long-term tax projection
4:14 - The tax planning window
6:43 - Find your tax threshold
8:20 - No issues with RMDs
10:37 - Smoothing out tax liability
14:30 - Legacy planning and charities
16:34 - Qualified charitable distributions
17:55 - A form of tax insurance
20:21 - A helpful framework


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