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 · Seven Steps for Prioritizing Money as a High Earner (from Your Next Dollar) · 7 Sep 2026 podcast

But there for a lot of people, there's a window where you can do Roth conversions.

And you can do that when you're in a lower tax bracket.

So you get the deduction in a super high tax bracket.

And then you do the conversions at a much lower tax bracket.

So that's a very powerful strategy for people to use.

And I'd say another uh powerful feature of the 401k.

is you don't really see it.

Right.

So there's a, there's a power when you uh you just have it go straight from your paycheck to the 401k.

You don't ever see the money.

So you don't fall in love with the money in your bank account.

And it's amazing to see the power, the psychological power of that.

Yeah, I mean, typically speaking, I see the break-even at the twenty-four percent brackets.

But then you also have to consider what state you live in.

So again, if you're in a place like New York or California, you have to add in state and local taxes as well.

So, you know, but I think that twenty-four percent bracket, generally speaking, is where we typically see that break-even.

This is actually my favorite account.

And the reason this is my favorite account is because this is the one that has the features of long-term growth.

It's helping me get to financial independence.

But at the same time, I have that flexibility that if I ever needed it, I could get access to it versus these retirement accounts where if you want to get access to it before you retire.

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