Many people are concerned about taxes in retirement, and in many ways, rightfully so.

Because of this, Roth conversions are a great tool to help a lot of people reduce their

lifetime tax liability, but there are certain situations when Roth conversions will actually

do you more harm than good. In today's episode, I'm going to share with you four different

scenarios where it wouldn't make sense to do a Roth conversion. This is another episode of Ready for Retirement. I'm your host, James Knoll, and I'm here to teach

you how to get the most of the life with your money. And now, on to the episode. There's the

sense that some people have where it's, I need to start doing Roth conversions or else,

or at least when I retire, I need to start doing Roth conversions or else. And sometimes that's the

case, but it's oftentimes not the case. And today I specifically want to talk about when it's not the

case. So before we do that, before we walk through, why wouldn't it make sense to do a Roth

conversions in some instances? We first need to do just a basic recap of why would it make sense to do a Roth

conversion. And we'll do that in just one second, but real quick, before I do, so wanted to highlight

the review of the week. This comes from username Bama 9,000, 5-star review with the title,

Maximize Your Time. And the review says, I've listened to almost every retirement podcast out

there. I have now narrowed that down to three retirement podcasts,

and James's is by far the best. Great information, and James has the heart of a teacher.

James, thanks for the great info. My transition into retirement was seamless as well-prepared,

thanks to your podcast. Well, Bama 9,000, that makes me very happy to hear. I'm glad to hear

that this isn't just helpful information, but people are applying

it. So thank you for supporting the show by leaving a review. It helps me. It helps more people find

the show, and at the end of the day, everyone wins. So if you've not left a review, please go

ahead and do so. It would mean a lot. We'll help more people find the show. And for those of you that have, thank you very much for taking the time to do so. So now back to the

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