Bestselling Author and Retirement Expert, Dale McGregor, digs into Roth conversions and why he believes everyone who’s eligible should consider having Roth money. He contrasts traditional tax-deferred accounts—sold on the promise of lower taxes in retirement—with today’s reality of rising tax pressure. Dale explains how to strategically convert portions of pre-tax accounts to Roth over time, how to watch your tax brackets while you do it, and the role of required minimum distributions at age 73. With careful planning, Roth conversions can shrink or even eliminate future RMDs and build a pool of tax-free income for later years.