Not all Roth conversions are created equal — and new research shows a clear winner.
Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period:
• Staying in a traditional IRA/401(k) and taking RMDs
• A one-time Roth conversion
• A gradual, multi-year conversion strategy
We examine how taxes, RMDs, longevity, and investment returns affect the outcome — and why a one-time conversion often comes out ahead if you can handle the upfront tax bill.
0:19 - The Sexiest Word in Finance
4:44 - The Roth Account Smile
7:29 - Roth Applications for Different Stages of Life
10:17 - Tax Hierarchy Considerations
14:09 - The Craft of Retirement Income & Withdrawals
19:07 - Roth as a Legacy Tool
21:22 - A Lifetime of Tax Savings with Roth
24:11 - Why a One-time Roth Conversion is Best Option
30:36 - Reconsidering Gradual Withdrawals
33:12 - Retirement Strategies are Personal
33:53 - Tim Allen, Mike Rowe, & Why Men Don't Work
38:14 - Thanksgiving Wishes
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP
Produced by Brent Clanton, Executive Producer
-------
Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=8mkgUOAZU7Y&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1
-------
The latest installment of our new feature, Before the Bell, "Why This Pullback Isn’t a Panic" is here:
https://www.youtube.com/watch?v=bb8BeVp7ID8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
-------
REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:"
https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator
-------
Our Previous Show, "How The Fed Deals Liquidity: The Monetary Toolbox" is here:
https://www.youtube.com/watch?v=GnB1pog_r_I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
-------
Get more info & commentary:
https://realinvestm entadvice.com/newsletter/
--------
SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow
--------
Visit our Site: https://www.realinvestmentadvice.com
Contact Us: 1-855-RIA-PLAN
--------
Subscribe to SimpleVisor:
https://www.simplevisor.com/register-new
--------
Connect with us on social:
https://twitter.com/RealInvAdvice
https://twitter.com/LanceRoberts
https://www.facebook.com/RealInvestmentAdvice/
https://www.linkedin.com/in/realinvestmentadvice/
#RothIRA #RetirementPlanning #TaxStrategy #IRAConversion #PersonalFinance
All content for The Real Investment Show (Full Show) is the property of Lance Roberts and is served directly from their servers
with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Not all Roth conversions are created equal — and new research shows a clear winner.
Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period:
• Staying in a traditional IRA/401(k) and taking RMDs
• A one-time Roth conversion
• A gradual, multi-year conversion strategy
We examine how taxes, RMDs, longevity, and investment returns affect the outcome — and why a one-time conversion often comes out ahead if you can handle the upfront tax bill.
0:19 - The Sexiest Word in Finance
4:44 - The Roth Account Smile
7:29 - Roth Applications for Different Stages of Life
10:17 - Tax Hierarchy Considerations
14:09 - The Craft of Retirement Income & Withdrawals
19:07 - Roth as a Legacy Tool
21:22 - A Lifetime of Tax Savings with Roth
24:11 - Why a One-time Roth Conversion is Best Option
30:36 - Reconsidering Gradual Withdrawals
33:12 - Retirement Strategies are Personal
33:53 - Tim Allen, Mike Rowe, & Why Men Don't Work
38:14 - Thanksgiving Wishes
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP
Produced by Brent Clanton, Executive Producer
-------
Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=8mkgUOAZU7Y&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1
-------
The latest installment of our new feature, Before the Bell, "Why This Pullback Isn’t a Panic" is here:
https://www.youtube.com/watch?v=bb8BeVp7ID8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
-------
REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:"
https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator
-------
Our Previous Show, "How The Fed Deals Liquidity: The Monetary Toolbox" is here:
https://www.youtube.com/watch?v=GnB1pog_r_I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
-------
Get more info & commentary:
https://realinvestm entadvice.com/newsletter/
--------
SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow
--------
Visit our Site: https://www.realinvestmentadvice.com
Contact Us: 1-855-RIA-PLAN
--------
Subscribe to SimpleVisor:
https://www.simplevisor.com/register-new
--------
Connect with us on social:
https://twitter.com/RealInvAdvice
https://twitter.com/LanceRoberts
https://www.facebook.com/RealInvestmentAdvice/
https://www.linkedin.com/in/realinvestmentadvice/
#RothIRA #RetirementPlanning #TaxStrategy #IRAConversion #PersonalFinance
11-11-25 Old-School Money Rules Our Kids Need to Hear
The Real Investment Show (Full Show)
51 minutes 11 seconds
2 weeks ago
11-11-25 Old-School Money Rules Our Kids Need to Hear
Generational money lessons never go out of style.
In this episode, we revisit Depression-era financial wisdom — simple, hard-earned truths that built resilient families and lasting wealth. From living below your means to marrying a saver and learning practical skills, these principles have guided generations through both prosperity and hardship.
We’ll share 12 timeless money lessons that can help today’s younger generation navigate debt, lifestyle inflation, and financial stress. These are the same habits that kept families afloat during the Great Depression — and they’re just as relevant in today’s high-cost, high-leverage economy.
If you want your kids to build true financial independence — not just wealth on paper — this episode is a must-watch.
0:19 - Will the Government Reopen?
2:45 - Buy-the-Dip Crowd Returns
7:14 - Veterans' Day Salute
8:16 - Email - Teaching Finance to Kids
10:43 - Be Frugal - Shoes & Cars
18:14 - Budget is not a four-letter Word
21:04 The $1,200 Mechanic
27:46 - Avoid Long Term Debt
22:51 - Marry a Saver - Pre-Marital Advice
32:04 - Buying a Home - Less is More
33:06 - Funding Hobbies & Balancing Priorities
35:09 - Investing for the Long Term
37:20 - Know What You Own
39:18 - Learn the Basics of Home Repairs & Cooking
42:51 - The Problem of Subscriptions
43:43 - Don't Try to Keep Up with the Jones
46:55 - Live Like the Millionaire Next Door
👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management.
📍 More at RealInvestmentAdvice.com
Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
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Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s
-------
The latest installment of our new feature, Before the Bell, "Buy-the-Dip Is Back," is here:
https://www.youtube.com/watch?v=Kls3ejV3deU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
-------
Our Previous Show, "The Rocket Market: AI, Risk, and What Comes Next," is here:
https://www.youtube.com/watch?v=42moSAfvL10&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
-------
Get more info & commentary:
https://realinvestm entadvice.com/newsletter/
--------
SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow
--------
Visit our Site: https://www.realinvestmentadvice.com
Contact Us: 1-855-RIA-PLAN
--------
Subscribe to SimpleVisor:
https://www.simplevisor.com/register-new
--------
Connect with us on social:
https://twitter.com/RealInvAdvice
https://twitter.com/LanceRoberts
https://www.facebook.com/RealInvestmentAdvice/
https://www.linkedin.com/in/realinvestmentadvice/
#BuyTheDip #StockMarketRally #DefensiveStocks #SP500 #MarketRally #MarketBreadth #Investing #PremarketUpdate #FinancialWisdom #MoneyLessons #GreatDepression #FrugalLiving #FinancialEducation
The Real Investment Show (Full Show)
Not all Roth conversions are created equal — and new research shows a clear winner.
Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period:
• Staying in a traditional IRA/401(k) and taking RMDs
• A one-time Roth conversion
• A gradual, multi-year conversion strategy
We examine how taxes, RMDs, longevity, and investment returns affect the outcome — and why a one-time conversion often comes out ahead if you can handle the upfront tax bill.
0:19 - The Sexiest Word in Finance
4:44 - The Roth Account Smile
7:29 - Roth Applications for Different Stages of Life
10:17 - Tax Hierarchy Considerations
14:09 - The Craft of Retirement Income & Withdrawals
19:07 - Roth as a Legacy Tool
21:22 - A Lifetime of Tax Savings with Roth
24:11 - Why a One-time Roth Conversion is Best Option
30:36 - Reconsidering Gradual Withdrawals
33:12 - Retirement Strategies are Personal
33:53 - Tim Allen, Mike Rowe, & Why Men Don't Work
38:14 - Thanksgiving Wishes
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP
Produced by Brent Clanton, Executive Producer
-------
Watch Today's Full Video on our YouTube Channel:
https://www.youtube.com/watch?v=8mkgUOAZU7Y&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1
-------
The latest installment of our new feature, Before the Bell, "Why This Pullback Isn’t a Panic" is here:
https://www.youtube.com/watch?v=bb8BeVp7ID8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
-------
REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:"
https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator
-------
Our Previous Show, "How The Fed Deals Liquidity: The Monetary Toolbox" is here:
https://www.youtube.com/watch?v=GnB1pog_r_I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
-------
Get more info & commentary:
https://realinvestm entadvice.com/newsletter/
--------
SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow
--------
Visit our Site: https://www.realinvestmentadvice.com
Contact Us: 1-855-RIA-PLAN
--------
Subscribe to SimpleVisor:
https://www.simplevisor.com/register-new
--------
Connect with us on social:
https://twitter.com/RealInvAdvice
https://twitter.com/LanceRoberts
https://www.facebook.com/RealInvestmentAdvice/
https://www.linkedin.com/in/realinvestmentadvice/
#RothIRA #RetirementPlanning #TaxStrategy #IRAConversion #PersonalFinance