Josh ‘OG’ Bannerman

speaker

7,875 appearances 29 recordings 1 series first heard May 2026 last heard 12 Aug

Josh ‘OG’ Bannerman’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 29 in all, peaking in Jul 2026 with 10.

Appearances

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The Stacking Benjamins Show · Should You Max Out a 401(k) You Don't Even Like? SB1882 · 10 Aug 2026 podcast

Thank you so much for that. voice-verified

How did I do on being nice? voice-verified

Is that okay? voice-verified

All right. voice-verified

I'll try to strike the better balance for you, Doug. voice-verified

Well, I think that there's two things with Roth conversion, it's just kind of big picture. voice-verified

Number one is you're trying to decide whether or not voice-verified

the tax rate in the future is gonna be less than what you're paying taxes on right now. voice-verified

So if you have a hundred thousand dollars in your IRA, I think that's about what he said. voice-verified

And you can convert part of that. voice-verified

And pay twelve percent taxes on that. voice-verified

versus what that will grow to in the future. voice-verified

And what the tax rates might be in the future with all of your income. voice-verified

That's the evaluation that you're doing. voice-verified

And you're gambling and saying, you know, I think in the future tax rates are gonna be higher than what I'm paying right now, which I think at twelve percent is pretty rational to say, especially when you forecast out, well, I'll probably get some social security. voice-verified

You know, wife will have some pension, you know, and then at some point in time we'll have required minimum distributions and you know, you can kinda voice-verified

run a spreadsheet and think about what that looks like. voice-verified

So I think at twelve percent is a pretty attractive conversion number. voice-verified

The only thing that'll give me a little bit of pause is that voice-verified

The benefit of every calendar year is that every year anew, you get seven thousand bucks you can put in your f in your Roth. voice-verified

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