14 Comments

1. 

   @keithfolse4068 on February 13, 2026 at 5:43 am

   Thank you for such a clear explanation with solid examples. MUCH APPRECIATED 🙂

   Reply
2. 

   @marysaiar on February 13, 2026 at 5:43 am

   So we should not do the conversation if we have an old IRA? What should be done with the old IRA?

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3. 

   @seinfan9 on February 13, 2026 at 5:43 am

   Congress are a bunch of bastards.

   Reply
4. 

   @Hs-ov5wu on February 13, 2026 at 5:43 am

   what if i have no other IRA money by end of year

   Reply
5. 

   @bajamedic on February 13, 2026 at 5:43 am

   If I rolled over my old 401k and it remains pre tax does it still count?

   Reply
6. 

   @pahanin2480 on February 13, 2026 at 5:43 am

   Very critical and informative video

   Reply
7. 

   @victoriafischer5866 on February 13, 2026 at 5:43 am

   What is the tax moving the $7000 from traditional to Roth?

   Reply
8. 

   @watchingu83 on February 13, 2026 at 5:43 am

   What if you’re using after tax dollars after you’ve maxed out your pre-tax 401K contributions? For example, say I max out my 401K and employer match, but still have $25,000 post tax contributions into my employer 401K account. Does this rule still apply if I rollover these post tax dollars into a ROTH IRA? I’ve heard this strategy referred to as the mega back door ROTH. Thanks!

   Reply
9. 

   @xavier3098 on February 13, 2026 at 5:43 am

   What if you have money in a Roth 401K?

   Reply
10. 

    @jacalson7575 on February 13, 2026 at 5:43 am

    Helps to do roth contributions to 401k or a roth 401k in general and also everyone I have seen tells people they will have to pay the tax, on tax deferred contributions when they do this. Which is why we recommend roth contributions to 401k to offset the tax burden. Thanks for helping young folks but they could use these work arounds. Also recommend self directed roth ira and start real estate investing or precious metals etc.

    Reply
11. 

    @IvyGreen1966 on February 13, 2026 at 5:43 am

    Is this only considered if you converted your 401k to a Rollover IRA that year? Does it apply the following year even though you already converted it the year before?

    Reply
12. 

    @JOESCHOOLSHOW on February 13, 2026 at 5:43 am

    Does a IRA in a tsp retirement plan like Roth its count as another one?

    Reply
13. 

    @falbamonte on February 13, 2026 at 5:43 am

    Great infos, Thanks!

    Reply
14. 

    @DanLoFat on February 13, 2026 at 5:43 am

    Remember the tax rate is progressive and is not 13% on the whole of the 100,000

    Reply