Understanding Roth IRAs: The Same Spendable Myth, Tax Strategy & Key Concepts | The Guided Path S2E1
69K views · Aug 13, 2025 · Education
Comments · 401
@RJN82 · 1 year ago
Even if tax rates stay the same throughout your retirement, if you are currently filing taxes jointly it is very likely that one of you will eventually be left alone leaving the remaining spouse as a single filer. This has the effect of dramatically raising your tax rates as the bracket limits drop but RMDs do not decrease upon the loss of either spouse. This is a tremendous incentive for Roth conversions before you reach RMD age.
112
@coolwaters070890 · 1 year ago
This is by far the best video regarding retirement contributions taking all plausible computations in mind. Love the math nerding !!!!! Thank you!!
1
@kd-CarvingAway · 3 months ago
Great presentation. I particularly appreciate the information related to those already retired.
@stemikger · 1 year ago
This was so good! Zacc, you really are the best out there. Thank you!!
1
@jt9228 · 6 months ago
I’m new to your channel and I love it! I listen to particular videos in entirety and use the information that might apply to my situation. After watching this video and the one on RMD I feel comfortable doing what I had been thinking for Roth conversation but wasn’t quite sure about. Thanks you for the education ❤!
@AutumnAspens68 · 1 year ago
Best explanation of Marginal Tax Rate I have seen! Nice job!
1
@terrydicken7877 · 1 year ago
Well done! Looking forward to future episodes!
1
@stms4411 · 1 year ago
Good video. Valuable to me as I sort through this and consider my options. Thanks. I’m here for the next ones.
@jasonlaviolette2964 · 1 month ago (edited)
Zaccr, you are not boring. OK, maybe its just because I'm at the point in my life that I'm eating up any great financial information that I wish I'd known 20-30 years ago, but I don't think so. I was introduced to you on Retirement Nerds and you the videos you guys put out together are great. You have just enough humor to keep things light while giving so much relevant information in a way that's easily understandable. Your use of visuals, simple math, and hypothetical and real world examples to convey very complex concepts are perfect. I've had teachers that could make the most interesting subjects and specific topics unbearable boring. You may be a nerd but you, sir, are a great teacher.
@C_A_Ross · 1 year ago
I’ve been getting this wrong for 25 years! Great job.
2
@W.Eric.Anderson · 1 year ago
Fantastic!... thanks!
@bridgetjohnson5937 · 10 months ago
Thank you.
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