<description>&lt;p&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Chris &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;is &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;joined &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;by &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Jake &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Turner &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;to &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;discuss &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;listener &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;emails &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;on &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;tax &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;filing &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;for &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;mega &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;backdoor &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Roth &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;contributions, use of HSA funds&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;,&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt; I &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Bonds &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;redemption &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;timing, &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;lowering &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;RMD &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;pressure, &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;and &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Roth &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;conversions. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;(&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;6:&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;30) &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;George &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;asks &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;whether &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;leaving &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;a &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;1099-&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;R &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;off &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;a &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;return &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;after &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;after-&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;tax &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;401(&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;k) &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;money &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;was &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;immediately &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;converted &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;to &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Roth &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;means &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;an &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;amended &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;return &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;is &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;needed &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;or &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;whether &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;the &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;IRS &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;will &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;simply &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;follow &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;up. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;(&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;12:&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;15) &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;A &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;listener &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;asks &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;whether &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;HSA &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;funds &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;can &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;be &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;used &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;pre-&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;tax &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;to &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;pay &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;fully &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;self-&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;funded &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;health &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;insurance &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;premiums.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;(&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;17:&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;30) &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;The &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;guys &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;are &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;asked &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;how &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;to &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;evaluate &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;redeeming &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;high &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;fixed-&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;rate &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;I &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Bonds &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;over &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;several &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;years &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;versus &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;waiting &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;until &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;maturity &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;and &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;risking &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;a &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;large &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;one-&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;year &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;tax &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;bill &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;and &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;IRMAA &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;hit. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;(&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;30:&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;45) Chris and Jake&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt; &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;hear &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;from &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;a &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;widowed &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;listener &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;looking &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;for &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;ways &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;to &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;reduce &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;future &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;RMDs &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;and &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;IRMAA &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;without &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;using &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Roth &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;conversions &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;or &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;QCDs. &lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;(&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;47:&lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;45) &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Another &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;listener &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;asks &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;whether &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;doing &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;very &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;large &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;Roth &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;conversions &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;over &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;a &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;few &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;years &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;could &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;make &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;more &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;sense &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;than &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;staying &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;within &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;lower &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;tax &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;brackets &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;over &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;a &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;longer &lt;/span&gt;&lt;span class="BZ_Pyq_fadeIn"&gt;period.&lt;/span&gt;&lt;/p&gt; &lt;p&gt;The post &lt;a href="https://www.theretirementandirashow.com/podcast/tax-filing-hsa-i-bonds-rmds-roth-conversions/"&gt;Tax Filing, HSAs, I Bonds, RMDs, Roth Conversions: Q&amp;#038;A #2611&lt;/a&gt; appeared first on &lt;a href="https://www.theretirementandirashow.com"&gt;The Retirement and IRA Show&lt;/a&gt;.&lt;/p&gt;</description>

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Tax Filing, HSAs, I Bonds, RMDs, Roth Conversions: Q&A #2611

MAR 14, 202666 MIN
The Retirement and IRA Show

Tax Filing, HSAs, I Bonds, RMDs, Roth Conversions: Q&A #2611

MAR 14, 202666 MIN

Description

<p><span class="BZ_Pyq_fadeIn">Chris </span><span class="BZ_Pyq_fadeIn">is </span><span class="BZ_Pyq_fadeIn">joined </span><span class="BZ_Pyq_fadeIn">by </span><span class="BZ_Pyq_fadeIn">Jake </span><span class="BZ_Pyq_fadeIn">Turner </span><span class="BZ_Pyq_fadeIn">to </span><span class="BZ_Pyq_fadeIn">discuss </span><span class="BZ_Pyq_fadeIn">listener </span><span class="BZ_Pyq_fadeIn">emails </span><span class="BZ_Pyq_fadeIn">on </span><span class="BZ_Pyq_fadeIn">tax </span><span class="BZ_Pyq_fadeIn">filing </span><span class="BZ_Pyq_fadeIn">for </span><span class="BZ_Pyq_fadeIn">mega </span><span class="BZ_Pyq_fadeIn">backdoor </span><span class="BZ_Pyq_fadeIn">Roth </span><span class="BZ_Pyq_fadeIn">contributions, use of HSA funds</span><span class="BZ_Pyq_fadeIn">,</span><span class="BZ_Pyq_fadeIn"> I </span><span class="BZ_Pyq_fadeIn">Bonds </span><span class="BZ_Pyq_fadeIn">redemption </span><span class="BZ_Pyq_fadeIn">timing, </span><span class="BZ_Pyq_fadeIn">lowering </span><span class="BZ_Pyq_fadeIn">RMD </span><span class="BZ_Pyq_fadeIn">pressure, </span><span class="BZ_Pyq_fadeIn">and </span><span class="BZ_Pyq_fadeIn">Roth </span><span class="BZ_Pyq_fadeIn">conversions. </span></p> <p><span class="BZ_Pyq_fadeIn">(</span><span class="BZ_Pyq_fadeIn">6:</span><span class="BZ_Pyq_fadeIn">30) </span><span class="BZ_Pyq_fadeIn">George </span><span class="BZ_Pyq_fadeIn">asks </span><span class="BZ_Pyq_fadeIn">whether </span><span class="BZ_Pyq_fadeIn">leaving </span><span class="BZ_Pyq_fadeIn">a </span><span class="BZ_Pyq_fadeIn">1099-</span><span class="BZ_Pyq_fadeIn">R </span><span class="BZ_Pyq_fadeIn">off </span><span class="BZ_Pyq_fadeIn">a </span><span class="BZ_Pyq_fadeIn">return </span><span class="BZ_Pyq_fadeIn">after </span><span class="BZ_Pyq_fadeIn">after-</span><span class="BZ_Pyq_fadeIn">tax </span><span class="BZ_Pyq_fadeIn">401(</span><span class="BZ_Pyq_fadeIn">k) </span><span class="BZ_Pyq_fadeIn">money </span><span class="BZ_Pyq_fadeIn">was </span><span class="BZ_Pyq_fadeIn">immediately </span><span class="BZ_Pyq_fadeIn">converted </span><span class="BZ_Pyq_fadeIn">to </span><span class="BZ_Pyq_fadeIn">Roth </span><span class="BZ_Pyq_fadeIn">means </span><span class="BZ_Pyq_fadeIn">an </span><span class="BZ_Pyq_fadeIn">amended </span><span class="BZ_Pyq_fadeIn">return </span><span class="BZ_Pyq_fadeIn">is </span><span class="BZ_Pyq_fadeIn">needed </span><span class="BZ_Pyq_fadeIn">or </span><span class="BZ_Pyq_fadeIn">whether </span><span class="BZ_Pyq_fadeIn">the </span><span class="BZ_Pyq_fadeIn">IRS </span><span class="BZ_Pyq_fadeIn">will </span><span class="BZ_Pyq_fadeIn">simply </span><span class="BZ_Pyq_fadeIn">follow </span><span class="BZ_Pyq_fadeIn">up. </span></p> <p><span class="BZ_Pyq_fadeIn">(</span><span class="BZ_Pyq_fadeIn">12:</span><span class="BZ_Pyq_fadeIn">15) </span><span class="BZ_Pyq_fadeIn">A </span><span class="BZ_Pyq_fadeIn">listener </span><span class="BZ_Pyq_fadeIn">asks </span><span class="BZ_Pyq_fadeIn">whether </span><span class="BZ_Pyq_fadeIn">HSA </span><span class="BZ_Pyq_fadeIn">funds </span><span class="BZ_Pyq_fadeIn">can </span><span class="BZ_Pyq_fadeIn">be </span><span class="BZ_Pyq_fadeIn">used </span><span class="BZ_Pyq_fadeIn">pre-</span><span class="BZ_Pyq_fadeIn">tax </span><span class="BZ_Pyq_fadeIn">to </span><span class="BZ_Pyq_fadeIn">pay </span><span class="BZ_Pyq_fadeIn">fully </span><span class="BZ_Pyq_fadeIn">self-</span><span class="BZ_Pyq_fadeIn">funded </span><span class="BZ_Pyq_fadeIn">health </span><span class="BZ_Pyq_fadeIn">insurance </span><span class="BZ_Pyq_fadeIn">premiums.</span></p> <p><span class="BZ_Pyq_fadeIn">(</span><span class="BZ_Pyq_fadeIn">17:</span><span class="BZ_Pyq_fadeIn">30) </span><span class="BZ_Pyq_fadeIn">The </span><span class="BZ_Pyq_fadeIn">guys </span><span class="BZ_Pyq_fadeIn">are </span><span class="BZ_Pyq_fadeIn">asked </span><span class="BZ_Pyq_fadeIn">how </span><span class="BZ_Pyq_fadeIn">to </span><span class="BZ_Pyq_fadeIn">evaluate </span><span class="BZ_Pyq_fadeIn">redeeming </span><span class="BZ_Pyq_fadeIn">high </span><span class="BZ_Pyq_fadeIn">fixed-</span><span class="BZ_Pyq_fadeIn">rate </span><span class="BZ_Pyq_fadeIn">I </span><span class="BZ_Pyq_fadeIn">Bonds </span><span class="BZ_Pyq_fadeIn">over </span><span class="BZ_Pyq_fadeIn">several </span><span class="BZ_Pyq_fadeIn">years </span><span class="BZ_Pyq_fadeIn">versus </span><span class="BZ_Pyq_fadeIn">waiting </span><span class="BZ_Pyq_fadeIn">until </span><span class="BZ_Pyq_fadeIn">maturity </span><span class="BZ_Pyq_fadeIn">and </span><span class="BZ_Pyq_fadeIn">risking </span><span class="BZ_Pyq_fadeIn">a </span><span class="BZ_Pyq_fadeIn">large </span><span class="BZ_Pyq_fadeIn">one-</span><span class="BZ_Pyq_fadeIn">year </span><span class="BZ_Pyq_fadeIn">tax </span><span class="BZ_Pyq_fadeIn">bill </span><span class="BZ_Pyq_fadeIn">and </span><span class="BZ_Pyq_fadeIn">IRMAA </span><span class="BZ_Pyq_fadeIn">hit. </span></p> <p><span class="BZ_Pyq_fadeIn">(</span><span class="BZ_Pyq_fadeIn">30:</span><span class="BZ_Pyq_fadeIn">45) Chris and Jake</span><span class="BZ_Pyq_fadeIn"> </span><span class="BZ_Pyq_fadeIn">hear </span><span class="BZ_Pyq_fadeIn">from </span><span class="BZ_Pyq_fadeIn">a </span><span class="BZ_Pyq_fadeIn">widowed </span><span class="BZ_Pyq_fadeIn">listener </span><span class="BZ_Pyq_fadeIn">looking </span><span class="BZ_Pyq_fadeIn">for </span><span class="BZ_Pyq_fadeIn">ways </span><span class="BZ_Pyq_fadeIn">to </span><span class="BZ_Pyq_fadeIn">reduce </span><span class="BZ_Pyq_fadeIn">future </span><span class="BZ_Pyq_fadeIn">RMDs </span><span class="BZ_Pyq_fadeIn">and </span><span class="BZ_Pyq_fadeIn">IRMAA </span><span class="BZ_Pyq_fadeIn">without </span><span class="BZ_Pyq_fadeIn">using </span><span class="BZ_Pyq_fadeIn">Roth </span><span class="BZ_Pyq_fadeIn">conversions </span><span class="BZ_Pyq_fadeIn">or </span><span class="BZ_Pyq_fadeIn">QCDs. </span></p> <p><span class="BZ_Pyq_fadeIn">(</span><span class="BZ_Pyq_fadeIn">47:</span><span class="BZ_Pyq_fadeIn">45) </span><span class="BZ_Pyq_fadeIn">Another </span><span class="BZ_Pyq_fadeIn">listener </span><span class="BZ_Pyq_fadeIn">asks </span><span class="BZ_Pyq_fadeIn">whether </span><span class="BZ_Pyq_fadeIn">doing </span><span class="BZ_Pyq_fadeIn">very </span><span class="BZ_Pyq_fadeIn">large </span><span class="BZ_Pyq_fadeIn">Roth </span><span class="BZ_Pyq_fadeIn">conversions </span><span class="BZ_Pyq_fadeIn">over </span><span class="BZ_Pyq_fadeIn">a </span><span class="BZ_Pyq_fadeIn">few </span><span class="BZ_Pyq_fadeIn">years </span><span class="BZ_Pyq_fadeIn">could </span><span class="BZ_Pyq_fadeIn">make </span><span class="BZ_Pyq_fadeIn">more </span><span class="BZ_Pyq_fadeIn">sense </span><span class="BZ_Pyq_fadeIn">than </span><span class="BZ_Pyq_fadeIn">staying </span><span class="BZ_Pyq_fadeIn">within </span><span class="BZ_Pyq_fadeIn">lower </span><span class="BZ_Pyq_fadeIn">tax </span><span class="BZ_Pyq_fadeIn">brackets </span><span class="BZ_Pyq_fadeIn">over </span><span class="BZ_Pyq_fadeIn">a </span><span class="BZ_Pyq_fadeIn">longer </span><span class="BZ_Pyq_fadeIn">period.</span></p> <p>The post <a href="https://www.theretirementandirashow.com/podcast/tax-filing-hsa-i-bonds-rmds-roth-conversions/">Tax Filing, HSAs, I Bonds, RMDs, Roth Conversions: Q&#038;A #2611</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>