Should You Do A Mega Roth Conversion? (FQF)

We cover the following questions in this week's Five Question Friday (FQF):

1. Should we convert 100% of a traditional IRA to a Roth IRA?
2. Should government workers invest only in the C Fund in the TSP?
3. Which spouse should do Roth conversions first?
4. How many funds should you own?
5. Does a muni bond fund work in a 3-fund portfolio?

*Resources*
Vanguard BETR Paper: https://corporate.vanguard.com/content/dam/corp/research/pdf/a_betr_approach_to_roth_conversions.pdf
Fidelity RMD Table: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/UniformLifetimeTable.pdf
Roth BETR Calculator: https://advisors.vanguard.com/tax-center/tools/roth-betr-calculator/
2025 Tax and Retirement Contribution Guide: https://advisors.vanguard.com/content/dam/fas/pdfs/FATXGD10.pdf
Fidelity Taxable-Equivalent Yield Calculator: https://digital.fidelity.com/prgw/digital/taxyieldcalc/
Boldin: https://go.robberger.com/boldin/yt-fqf

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0:00 - Intro
01:30 - Should we convert 100% of a traditional IRA to a Roth IRA?
10:13 - Should government workers invest only in the C Fund in the TSP?
14:23 - Which spouse should do Roth conversions first?
20:18 - How many funds should you own?
23:23 - Does a muni bond fund work in a 3-fund portfolio?
25:20 - Tax-Equivalent Yields Calculator
29:10 - Roth Conversion Calculator

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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