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.

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recordings per month · last 12 months

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

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And the downside is is that on December thirty one or when the taxes are due, I guess maybe April fifteenth. voice-verified

Your voice-verified

Your twenty twenty six in this case is over. voice-verified

You don't get to go back and say, you know, I finally have enough money to put money in my Roth again. voice-verified

So I'm gonna backdate voice-verified

And do the last you know, get my ten years worth of Roth contributions in that I didn't have the savings for. voice-verified

So my concern with the skipping the contribution component is you never get to recontribute that money. voice-verified

And it's the same math whether you're putting seven thousand bucks in or you're converting seven thousand bucks. voice-verified

Both are in tax free buckets. voice-verified

In order to contribute seven thousand dollars, you had to have made. voice-verified

eighty five hundred bucks to pay taxes on the voice-verified

You know, eighty five hundred dollars at twelve percent to have seven thousand left over to put in your account. voice-verified

Or voice-verified

You convert eighty five hundred bucks. voice-verified

make eighty five hundred, right, by your conversion and then you pay tax you know what I mean? voice-verified

Like yeah in my book it's the same math. voice-verified

I my my take on this would be to look at it a different way. voice-verified

Can you stretch and do both? voice-verified

You know, can you go like, you know what? voice-verified

This is the one time where we are in this like ultra low tax bracket. voice-verified

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