Comments by "3namechangezalowd Evry90dayzlernmor" (@3namechangezalowdevry90day7) on "💰 Retirement: Pay Less Taxes: 3 Bucket Strategy 🚨" video.

  1. You don't need to wait for 59 1/2 to convert from trad. to Roth, because you're not taking it out to spend. You can even leave it in the same mutual funds and stocks it's in and just have them move the shares. The IRS considers all the $ you move " regular income" so you can get fined for not paying quarterly unless you withhold. I don't know what their threshold is for that.
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  2. The amount you convert's also going to affect your Obamacare subsidy since the government sees it as ordinary income.
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