Roth Conversions vs ACA Subsidies: What’s Smarter? скачать в хорошем качестве

Roth Conversions vs ACA Subsidies: What’s Smarter?

Roth conversions vs. ACA subsidies is the early retirement dilemma no one talks about. If you’re planning for early retirement, you need to know how Roth IRA conversions can raise your MAGI and cost you ACA health insurance subsidies before Medicare. In this video, I’ll break down the trade-off, show you real examples, and share strategies to balance Roth conversions and Affordable Care Act subsidies. Retiring before 65 means health insurance is one of your biggest expenses. Should you save thousands on ACA subsidies today, or avoid massive RMD taxes later with Roth conversions? I’ll cover how subsidies work, how Roth accounts impact your Modified Adjusted Gross Income (MAGI), and what happens if enhanced subsidies expire after 2025. What you’ll learn in this video: • Why Roth conversions are so popular in retirement planning • How ACA subsidies are calculated and why MAGI matters • Real-world examples of couples facing this Roth vs. ACA trade-off • Strategies like partial Roth conversions to protect subsidies • What changes when enhanced ACA subsidies end in 2026 This is one of the most important — and overlooked — retirement planning dilemmas. Watch to see if protecting ACA subsidies or prioritizing Roth conversions is smarter for your retirement strategy. 👉Watch these two videos mentioned in this video next: 📺This video demoing, with the actual ACA estimator, amazing subsidies and cost sharing reductions by controlling MAGI:    • How Early Retirees Can Pay WAY Less for He...   📺This video on all the health insurance options, in addition to the ACA, and the pros and cons of each:    • Health Insurance Options for Early Retirem...   👉Another very popular video to watch: 📺 This very popular video on controlling your MAGI, especially thru use of a taxable brokerage account to fund early retirement:    • How to Pay Only $175/Month for Healthcare ...   📺 And this video about the enhanced subsidies likely expired at the end of this year:    • Will ACA Subsidies Disappear After 2025? W...   📊 Here is the link to the ACA cost estimator tool mentioned in the video: https://www.healthcare.gov/see-plans/#/ 📊2025 Federal Poverty Level Guidelines: https://aspe.hhs.gov/sites/default/fi... ✅ FREE MAGI Estimator. This was made after this video, so was not mentioned, but I've created an ACA MAGI estimator (Excel) that is free to download that you can use to estimate your MAGI. Click here to download: https://payhip.com/b/BsTwX 💼 My Favorite Retirement Planning Tool, and that I mentioned in this video! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy. 👉 Try Boldin here: https://go.boldin.com/earlyretirement... Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you! ✅ FREE Early Retirement Planning Checklist Whether you're just getting started or refining your plan, this free guide will help you take the next step! Download my free 12-step early retirement planning checklist—a practical, easy-to-follow guide that walks you through everything from calculating your FIRE number to building a tax-efficient withdrawal strategy. 👉 Get your free checklist here: https://payhip.com/b/IBj3q I created this to help others like you pursue financial independence and retire on your own terms and as a thank you to my viewers. Whether your years away or almost ready, this checklist will help you retire smarter and sooner, and is the perfect companion to everything I share on this channel. 👇 Comment Below: Are you prioritizing Roth conversions, ACA subsidies, or preparing for 2026 and the likely loss of the enhanced subsidies? ❤️ Like, Subscribe, and Share this video if you found the information in it helpful! 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ DISCLAIMER: This video is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #rothira #acasbusidies #earlyretirement Timestamps: 00:00 - The Tricky Tradeoff 00:30 - Why Roth Conversions are So Popular 02:02 - The Catch - Effect on ACA Subsidies 03:08 - An Example 05:47 - Doesn't Have to be an Either Or Choice 08:01 - How to Think About It 09:14 - The Bottom Line