{"podcast":{"title":"Everyone's Talkin' Money","slug":"everyone-s-talkin-money-172936","podcast_index_feed_id":172936,"rss_url":"https://feeds.megaphone.fm/GLSS5589020627","website_url":"https://www.everyonestalkinmoneypodcast.com","image_url":"https://megaphone.imgix.net/podcasts/de512200-dad4-11ed-bed6-0f33be179998/image/1dc94308348664fda2ed52cdd51c2d9f.png?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress","author":"Shari Rash","episode_count":1434,"summary":"New York Times Top 4 Money Podcast | 25+ million downloads Everyone’s Talkin’ Money is the go-to personal finance podcast for high-earning women who want to build wealth, feel confident making financial decisions, and stop second-guessing themselves every time they open their bank app. Hosted by Shari Rash, founder of GWA Wealth and a financial planner with nearly two decades of experience, this show goes beyond budgeting, saving, and investing to focus on the real reason smart, successful women still feel stressed about money: the psychology, habits, and invisible rules driving their financial lives. Because you can make six figures, max out your retirement, and still lie awake at 3 a.m. wondering if you’re doing it right. This is not a “stop buying lattes” podcast. This is not finance bro advice. And this is definitely not about shame. Each week, Shari breaks down how to: build wealth without burnout or deprivation make confident decisions about spending, investing, and major life moves align your money with your values and lifestyle navigate money as a single woman undo the “I should be further along” pressure create financial security and emotional peace You’ll hear solo episo…","last_synced_at":"2026-07-14T22:19:29.557307+00:00","page_url":"https://stenobird.com/podcast/everyone-s-talkin-money-172936"},"episode":{"title":"What Is a Roth Conversion — And How Can You Do It Wrong?","slug":"what-is-a-roth-conversion-and-how-can-you-do-it-wrong","published_at":"2026-05-27T15:14:00+00:00","page_url":"https://stenobird.com/podcast/everyone-s-talkin-money-172936/what-is-a-roth-conversion-and-how-can-you-do-it-wrong","show_page_url":"https://stenobird.com/podcast/everyone-s-talkin-money-172936","url":"https://www.everyonestalkinmoneypodcast.com/1532","audio_url":"https://pscrb.fm/rss/p/traffic.megaphone.fm/YLYLL3999487593.mp3","summary":"Roth conversions sound smart. Tax-free growth, tax-free withdrawals later, more flexibility in retirement — what’s not to like? Well… the tax bill today. That part. In this episode, Shari Rash, founder of GWA Wealth, breaks down what a Roth conversion actually is, how it works, and why “tax-free later” does not mean “free today.” A Roth conversion can be a powerful planning tool, but it can also backfire if you convert too much, do it in the wrong year, ignore the pro-rata rule, forget about Medicare premiums or other income-based thresholds, or assume you can undo it later. Shari explains the difference between a Roth contribution, a Roth conversion, and a backdoor Roth, why the conversion amount usually gets added to your taxable income for the year, and why a large pre-tax retirement balance usually means you need a better plan — not a bigger conversion. You’ll hear: What a Roth conversion is and how it differs from a Roth contribution Why the conversion amount is not the tax bill, but may be taxable income How converting too much in one year can create a bigger tax bill than expected Why the pro-rata rule can make a backdoor Roth less clean than it sounds Why outside cash to pay the taxes matters How Medicare premiums, five-year rules, and tax brackets can affect the decision Why Roth conversions should come from a projection, not a podcast-induced burst of motivation The biggest takeaway: do not hear “Roth conversion” and think, “I should do that.” Hear “Roth conversion” and think, “This is something worth analyzing.” This episode is for educational and informational purposes only and is not individualized financial, investment, tax, legal, or accounting advice. Before making decisions about Roth conversions, retirement accounts, taxes, or investments, talk with a…","meta_description":"Roth conversions sound smart. Tax-free growth, tax-free withdrawals later, more flexibility in retirement — what’s not to like? Well… the tax bill today.…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2620,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/everyone-s-talkin-money-172936/episodes/what-is-a-roth-conversion-and-how-can-you-do-it-wrong/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/everyone-s-talkin-money-172936/what-is-a-roth-conversion-and-how-can-you-do-it-wrong.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}