The Roth IRA ladder is a powerful strategy for minimizing your federal income tax burden over the course of your financial independence journey. It allows you to avoid the early withdrawal penalty for retirement accounts, and it allows you to maintain a low tax burden both during your working career and during your time spent in “retirement”.
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So the $6,000 a year contribution limit doesn’t apply with rollovers?
Tax optimizations are your best topics
4:51 I don’t use the ladder, but I definitely slowly convert to Roth — I call it tactical Roth conversion, where I exploit the 0% tax bracket — it’s the trifecta (like the HSA)! Tax deduction up front, tax optimized 0% marginal rate conversions, tax free withdrawals down range!
4:00 great point
Can this be done from a SEP IRA?