Ep. 1999: IRA Mistakes You Can’t Undo

Podcast: Talking Real Money - Investing Talk · Don McDonald

Opublikowano: 2026-10-14

Some IRA mistakes cannot simply be reversed. Don and Tom explain the traps around non-spouse beneficiary transfers, the one-rollover-per-year rule, 72(t) plans, the same-property rollover rule, outdated beneficiaries, qualified charitable distributions, missed RMDs, and portfolio drift. Then Mike from Salt Lake City asks how aggressively he should convert a traditional IRA to Roth before Social Security and future inherited assets change the tax picture. Don and Tom discuss bracket management, paying conversion taxes from taxable savings, QCDs, inherited pretax accounts, and rerunning the plan every year. They also answer whether costs matter in 529 and UTMA...