WEBVTT

NOTE
This file was generated by Descript <www.descript.com>

00:00:00.123 --> 00:00:02.100
Sean: I call this the
"Rothification trap."

00:00:02.330 --> 00:00:05.548
If everything we have in early
retirement is Roth, that's

00:00:06.048 --> 00:00:07.488
probably not a good answer.

00:00:07.588 --> 00:00:11.728
There are other reasons we wanna avoid
that: standard deduction, maybe we

00:00:11.728 --> 00:00:14.763
do qualified charitable distributions
(QCD) for our charitable giving

00:00:14.763 --> 00:00:16.083
in our seventies and the eighties.

00:00:16.363 --> 00:00:19.363
We don't want every last dollar in Roth.

00:00:19.363 --> 00:00:23.833
And I worry that SECURE 2.0 is
setting the "Rothification trap"

00:00:23.838 --> 00:00:25.543
for some in the FIRE movement.