The Retirement and IRA Show Tax Special – Conversions, Contributions, HSAs, Tax Returns, Tax Software PSA: Q&A #2608
Feb 21, 2026
Jake Turner, an enrolled agent who represents clients before the IRS, joins to tackle practical tax Q&A. They cover Roth conversions after RMDs, when conversions still help heirs, and how younger savers might split Roth vs Traditional. They debate HSA versus Roth tradeoffs, walk through IRA reporting and backdoor Roth paperwork, and explain handling a deceased taxpayer’s refund and a tax-planning tool PSA.
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Episode notes
Mistaken SNL Character Cleared Up
- Jim and the team debated an SNL character name and learned it was Emily Litella, not Roseanne Roseanne Adanna.
- The exchange highlighted how small errors can persist until checked against reliable sources.
Convert Roths Selectively After RMDs
- Consider Roth conversions even after RMDs if you have room in a low bracket and a clear beneficiary plan.
- Evaluate who will inherit the IRA and whether converting now reduces their future tax burden.
Start Roths Early, Shift When Rates Rise
- Feed Roth IRAs early in your career while in lower tax brackets to maximize tax-free growth.
- Shift to a mix or traditional contributions once your marginal combined tax rate moves north of roughly 25–28%.