16 Ways to Roth Wrong: Tax Brackets, Timing Fallacies, and more | The Guided Path S2E3

Описание: For important disclosures, visit: https://www.capitafinancialnetwork.co...

🚫 Roth IRAs are powerful—but only if you avoid the traps.

In this myth-busting episode, Zacc and Tyson break down 16 of the most common mistakes people make when contributing to or converting into a Roth. From misreading marginal tax brackets and relying on “magic math,” to using flawed software assumptions and overcommitting to one strategy—this is your financial reality check.

Learn why Roth decisions aren’t one-size-fits-all, how software often gets it wrong, and how every conversion opens a new timeline in your financial multiverse (yep, Doctor Strange makes an appearance). It’s everything you didn’t know you needed to know about doing Roth right—by first understanding what people get wrong.

📚 Great for anyone thinking about converting, maxing out, or planning retirement tax strategy the smart way.

For more information about Capita and additional educational resources, visit
👉 https://www.capitafinancialnetwork.com/

0:00 Introduction
2:14 - Misunderstanding Commutative Property
3:48 - Effective and Marginal Tax Brackets
8:17 - Magic Taxes Paid
11:08 - Assuming You Must Pay Taxes From Outside Funds
13:22 - Looking at one year tax savings in isolation
15:07 - Believing "Sooner is Always Better"
17:52 - Using Different Growth Rates in Roth vs Traditional
19:07 - Thinking Roth or Traditional Affects Investment Options
19:47 - Forgetting About Automatic Diversification from Employer Match
21:07 - Mixing Up Income Limits for 401(k)s vs IRAs
21:58 - Believing Income Limits Apply to Conversions
22:07 - Becoming "Religious" About Roth or Traditional
23:12 - Misunderstanding the Five-Year Rules
24:19 - Misunderstanding Withdrawal Order from Roth Accounts
25:57 - Ignoring Present Value of Taxes in a Lifetime Projection Analysis
28:27 - Not Seeing the New Reality You Create with Each Conversion

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