Roth IRA with Fexingo: Tax-Free Retirement Accounts and Long-Term Investment Strategy

Episode 4 of Roth IRA with Fexingo tackles a high-leverage move: rolling a pre-tax 401(k) into a Roth IRA without getting crushed by taxes. Lucas and Luna walk through a concrete example—a listener with $180,000 in a traditional 401(k) and eight years until retirement. They break down the multi-year conversion ladder strategy, explain how to stay in lower tax brackets by converting in chunks, and...

In this episode, Lucas and Luna unpack the mega backdoor Roth IRA strategy — a lesser-known provision that allows high earners to shelter up to $46,500 in after-tax 401(k) contributions and roll them into a Roth account. They walk through the mechanics step by step, discuss the importance of checking your 401(k) plan documents for after-tax sub-accounts and in-service rollover provisions, and comp...

Lucas and Luna tackle the backdoor Roth IRA strategy starting in 2026. With the Build Back Better Act proposal still circulating and potential IRA contribution changes, high-income earners face new risks. The episode focuses on the 'step transaction doctrine' that could make backdoor contributions taxable if the IRS reinterprets the rules. Lucas explains why the 2026 sunset of the Tax Cuts and Job...

In the debut episode of Roth IRA with Fexingo, Lucas and Luna break down the single most powerful number in retirement planning: the after-tax value of a Roth IRA versus a traditional 401(k). Using a concrete example of a 30-year-old earning $75,000 a year who contributes $7,000 annually to a Roth IRA for 35 years, they show how tax-free growth can yield over $1.6 million in tax-free withdrawals a...