Suze Orman's Women & Money (And Everyone Smart Enough To Listen) Your Questions About Suze’s Roth Five Year Rule Masterclass
Sep 18, 2025
Listeners dive into the nuances of the Roth Five Year Rule with Suze, covering essential topics like when to convert and how to strategize for maximum benefit. There's insightful advice on naming beneficiaries and implications of RMDs on estates. Suze also emphasizes the importance of tax-sensitive conversion strategies and the advantages of backdoor Roth contributions. Tune in for practical tips that could transform your financial future!
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Combine Contribution And Conversion Roths
- You can hold both contributory Roth and converted Roth funds in the same Roth IRA account.
- There's no operational need to open separate Roth accounts for contributions versus conversions.
No Conversion Dollar Cap
- There is no dollar limit on how much you can convert from a traditional IRA to a Roth in a single year.
- Converted amounts are only constrained by the tax you will owe upon conversion.
Roth 401(k) Clock Behaves Differently
- Roth 401(k) five-year clocks transfer between employers but do not carry over when you roll a Roth 401(k) into a Roth IRA.
- Start a Roth IRA early so its five-year clock runs before you move funds from a Roth 401(k).
