11-12-25 How to Spend Without Regret

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The Real Investment Show (Full Show)

Lance Roberts

500 episodes

6 days ago

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

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11-12-25 How to Spend Without Regret

The Real Investment Show (Full Show)

44 minutes 6 seconds

2 weeks ago

11-12-25 How to Spend Without Regret

Most retirement advice focuses on saving and not running out of money — but few talk about how to spend confidently once you’ve achieved financial independence. Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt: Why it’s okay to enjoy what you’ve earned How to enjoy your wealth without overspending The emotional side of leaving the “accumulation” mindset Practical withdrawal and income strategies for peace of mind 0:19 - A Deluge of Data Coming 4:36 - Market Rotations and Maintaining Momentum 8:48 - Tariff Rebates & 50-Year Mortgages 15:43 - Spending in Retirement Without Regret 20:15 - What Will You Do in Retirement? 21:22 - Mrs. Roberts' Wiffleball Tournament 24:15 - What Will You Do with Your Time & Money? 26:24 - The Question of Longevity in Retirement 29:13 - It's Okay to Touch the Principle 32:43 - The Need for an Advocate 34:46 - Budgeting in Retirement 37:26 - What Do You Want to Do in Retirement? 40:01 - It's Okay to Spend Your Money 👉 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 ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=saML4wbTAtg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=47s ------- The latest installment of our new feature, Before the Bell, "XLE Energizes Markets," is here: https://www.youtube.com/watch?v=8dRFc_XWbPc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Old-School Money Rules Our Kids Need to Hear," is here: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- 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/ #StockMarketToday #XLE #EnergyStocks #MarketRotation #InvestingStrategy #RetirementPlanning #FinancialFreedom #RetirementMindset #SpendSmart #WealthManagement

The Real Investment Show (Full Show)