# Too Much 401k Money? The $3M Roth Conversion Problem - 579

Page: https://stenobird.com/podcast/your-money-your-wealth-833911/too-much-401k-money-the-3m-roth-conversion-problem-579
Text version: https://stenobird.com/podcast/your-money-your-wealth-833911/too-much-401k-money-the-3m-roth-conversion-problem-579.md
Podcast: [Your Money, Your Wealth](https://stenobird.com/podcast/your-money-your-wealth-833911)
Published: 2026-04-28T18:00:00+00:00
Episode link: https://purefinancial.com/ymyw/podcasts/too-much-401k-money-3m-roth-conversion-problem-579/
Audio file: https://episodes.captivate.fm/episode/ec8e8994-ca74-40e2-b8b8-930a33e01ea4.mp3
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JSON: https://stenobird.com/v1/public/podcasts/your-money-your-wealth-833911/episodes/too-much-401k-money-the-3m-roth-conversion-problem-579
Duration seconds: 2781

## Resource

Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the cards: that's today on Your Money, Your Wealth® podcast 579 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Brian in New York and "Todd and Margo" in Utah each have over $3 million in their pre-tax accounts. What should their Roth conversion strategies look like, and can Todd retire this year? But first up, should "Captain Morgan" go Roth to avoid RMDs and can he retire in a couple of years? Should "Klo Jopine" contribute to Roth instead of traditional if his income will always remain the same? Finally, Kyle and Katie have high incomes and need a spitball on how they can avoid future RMDs. Ya think Roth conversions might be in their future? We'll find out. Free Financial Resources in This Episode: https://bit.ly/ymyw-579 (full show notes & episode transcript) LIMITED TIME SPECIAL OFFER: THE DIY RETIREMENT GUIDE - download before the Special Offer changes on Friday, May 1, 2026! https://purefinancial.com/ymyw/?utm_source=libsyn&utm_medium=podcast&utm_campaign=whitepaper-diy-retirement-guide&utm_content=ymyw-pod-ep579-description-whitepaper#specialoffer Financial Advisors Expose Internet's Worst Retirement Strategies! - YMYW TV: https://purefinancial.com/ymyw/episodes/financial-advisors-expose-internets-worst-retirement-strategies/?utm_source=libsyn&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep579-description-tv-s11e11 Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl DOWNLOAD more free guides: http…

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## Transcript

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