Ryan Sterling

speaker

807 appearances 4 recordings 1 series first heard Feb 2026 last heard 7 Sep

Ryan Sterling’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 — 4 in all, peaking in Sep 2026 with 1.

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NerdWallet's Smart Money Podcast · Going Back to Work Later in Life and Why the Housing Market Feels So Stuck · 13 Aug 2026 podcast

So here's the nuance though.

Okay.

You're required to take it out.

You're not required to spend it.

So you are able to take it out.

Now that's a taxable distribution, but you can reinvest it in an individual brokerage account.

I see.

So just because you're forced to take the withdrawal does not mean it has to again be spent.

You can reallocate that in either your high yield savings account or you can have an individual brokerage account.

Right.

One thing I was going to bring up is potentially doing Roth conversions.

So you do have this window right now of three years where you can be converting funds from your IRA to your Roth IRA.

Oh.

And based on what you're saying with respect to the income that you're earning, both from what you have Social Security as well as your earned income, you're still in a relatively low tax bracket.

So you do have capacity to do Roth conversions.

Now the Roth conversions,

It is taxable, but given the fact that you are in a relatively low tax bracket, what that would do is that would convert the dollars from the IRA to the Roth, which means in the future, when you take those funds out of the Roth, you're not going to be taxed on it.

And

Either.

So it could continue.

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