{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Roth Conversions vs. 0% Capital Gains Rate: a Retirement Tax Trap? - 556","description":"Joe Anderson, CFP\u00ae and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Your Wealth\u00ae podcast number 556. Joe Momma from Virginia wants to know if his zero percent capital-gains strategy is too good to be true, if he can trust his advisor, and if it\u2019s finally time to start converting to Roth. David in Poway is already converting his IRA to Roth, but should they convert his wife Shannon\u2019s too? Thomas wonders when in retirement to finally start using the Roth money he\u2019s saved, instead of just admiring it. And Lizzy and Billy from Texas want to know if $3.5 million is enough for them to retire in 7 years at ages 62 and 65. Free Financial Resources in This Episode: https:\/\/bit.ly\/ymyw-556 (full show notes &amp;amp; episode transcript)  2025 Tax Planning Guide - free download  Escape These 11 Tax Traps and You\u2019ll Save in Retirement - YMYW TV  Financial Blueprint (self-guided)  Financial Assessment (Meet with an experienced professional) REQUEST your  Retirement Spitball Analysis DOWNLOAD  more free guides READ  financial blogs WATCH  educational videos SUBSCRIBE to the  YMYW Newsletter &amp;nbsp; Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings &amp;nbsp; Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:46 - Keep 0% Capital Gains or Convert to Roth? Should I Trust My Advisor? (Joe Momma, VA) 12:03 - I'm Converting My IRA to Roth. Should We Convert My Wife's IRA Too? (David &amp;amp; Shannon, Poway, CA) 17:39 - How to Use Roth IRA Money in Retirement (Thomas) 25:34 - Can We Retire at in 7 Years at 62 and 65 on $3.5M? (Lizzy and Billy, TX) 29:33 - Outro: Next Week on the YMYYW Podcast ","author_name":"Your Money, Your Wealth","author_url":"http:\/\/yourmoneyyourwealth.com","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/39002910\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/content\/195362910"}