Hello and welcome to Choose a Phi.

Today in the show we have a fun one.

I want to really talk more about some advanced Phi strategies

from time to time, and I think it's important to spend the time

and to focus on them, because there are a lot of people in our

community who are either at the point where they need to think about some of these

advanced five strategies or they want to forecast down the road and say,

oh, you mean I can do that, this superpower that we're always talking about, that extends there.

And I think this particular one, which is the Roth IRA conversion ladder, is maybe the single most important,

I know that's a bit audacious, but the single most important of our advanced five strategies.

And way back in the day Jonathan and I attempted to

tackle this on two different case studies so we did episode 17 R and episode 163 R and I think going back and listening to them they do hold up but they're very

simplistic examples of how this strategy can work so we didn't dive into all the nuance. We just gave you,

okay look the ultimate question is, hey a lot of people in the fight community

choose a vice says you really should try to max out your tax deferred retirement accounts

on the path to Fai.

But how the heck do I access that money when I retire early, when I retire before 59 and a half, isn't it all stuck there and I think that's what we've tried to unpack recently so we had

Sean Malini on episode four seventy five and we talked about some strategies on overall how to access your retirement accounts before 59 and a half.

But today I have my good friend Cody Garrett from Measure Twice Money.

Cody's a CFP,

and the guy that I go to for these real in-depth calculations,

he's just incredible,

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