Would you ever pay more to the IRS… on purpose? Sometimes the smartest move in retirement planning is the one that feels most counterintuitive, like voluntarily paying more taxes now. In this episode, Matt breaks down why certain high earners should consider a Roth 401(k) conversion during a lower-income year- if their plan allows it.

Here’s some of what we discuss in this episode:

How paying more taxes now could save high earners later

How Roth 401(k) conversions create tax-free growth

The “hidden window” for high earners in lower tax years

Key mistakes to avoid when converting

Passing wealth to your heirs tax-efficiently

0:00 – Intro

0:58 – In-Plan Roth Conversion Strategy

2:21 – Why Should High Earners Do This?

4:48 – Who Should Consider This?

5:46 – Mistakes to Avoid

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