Suze Orman's Women & Money (And Everyone Smart Enough To Listen) How To Avoid Tax Penalties on Roth Conversion
Feb 19, 2026
Listeners hear practical rules about Roth conversions and how to avoid tax underpayment penalties. They get clear warnings about co-signing mortgages and the risks of being on multiple home loans. The conversation tackles estate choices like executors and beneficiary designations. Smart tips on 529 plan ownership and why some loan products can be harmful round out the talk.
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Listener Thanks Sparks A Larger Point
- Karen wrote that Susie and KT helped her feel capable after widowhood, which moved them.
- Suze emphasized belief in yourself and that financial skills are learnable despite common excuses.
Do Not Use All-In/HELOC-Style Mortgages
- Avoid
All-In Loans Rely On Your Cash Discipline
- An all-in loan only helps if you have very high income, low spending, and habitually keep large cash balances.
- The math can work but the loan itself doesn't pay down principal; your extra cash does.