ChatGPT said: A Roth IRA conversion ladder is a powerful strategy for early retirees to access retirement funds before age 59½ without penalties. By converting portions of a traditional IRA into a Roth IRA each year and waiting five years before withdrawing, you can create a steady stream of tax-free, penalty-free income. This method requires careful planning around taxes and timing but offers flexibility and control over your early retirement income strategy.

Starting in 2024, a new IRS rule allows certain unused funds from 529 plans (Qualified Tuition Programs) to be rolled over into Roth IRAs—providing families with more flexibility in managing education savings. This update can help avoid taxes and penalties on leftover funds while supporting long-term retirement goals. In this post, we break down who qualifies, how the rollover works, and what to consider before making the transfer.

Boost your retirement savings in 2025 by combining a Traditional IRA or Roth IRA with your 401(k) for tax benefits and growth potential.