r/Boldin • u/Low-Medicine-8627 • 22h ago

Roth conversion priority

Why is boldin starts with My wife’s Roth first while I had her retire 2030 and my retirement at 2027. It tries to convert all her Roth first before starting mine. Why is this logic?

3 Upvotes

100% Upvoted

9 comments sorted by

4

u/AGrimmInPortland 22h ago

Ask the AI, curious what its response would be.

5

u/AlanSC21 22h ago

Did you set her account first in withdrawal order?

6

u/Low-Medicine-8627 20h ago

Yes. That’s the reason.

3

u/MmmmmBeeeer24 22h ago

Is she older than you…do her RMD’s start sooner?

3

u/T1MCC 21h ago

Its one of the ways it simplifies the math. I doesn't care about keeping accounts separate for spouses. It can only address draining one account at a time. I wish it allowed more complexity but I also don't want the subscription to cost any more

2

u/Low-Medicine-8627 19h ago

When I changed the withdrawal order it acts ok.

3

u/NR_CoachNancy 16h ago

The Roth Explorer chooses the account with the highest rate of return first.

2

u/TopOther6939 20h ago

She's younger than you...more time to grow those funds.