by Lance Roberts
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| Is your IRA a ticking tax time bomb? Most retirement savers don't realize that every dollar sitting in a traditional IRA will eventually be taxed — and you may have little say over when, how much, or at what rate. Danny Ratliff & Sarah Buenger break down the three critical dimensions of IRA tax planning: a proactive multi-year conversion strategy, the risks of doing nothing, and legacy planning considerations that could determine how much your heirs actually keep. Hosted by RIA Advisors Senior Investment Advisor, Danny Ratliff, CFP, w Senior Investment Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:22 - Oil, Gasoline, & Market Commentary 3:51 - What Will the Fed Do Next? 6:06 - Tax Strategies & Management 7:52 - The Ticking Tax Time Bomb 10:10 - Doing Roth Conversions in a Down Market 13:02 - The IRS Uniform Lifetime Table 15:47 - No More Stretch IRA's 17:32 - Retirement Income Trough & RMD's 21:15 - Building Money Buckets 25:34 - Money for Medical Expenses 27:02 - Implications of relocating to no-income tax state 29:19 - Qualified Charitable Donations 31:51 - Dealing with RMD's & IRMAA's 34:00 - Multi-year strategies 37:54 - Estate Planning w Roth Assets ------- Register for our next Candid Coffee, 3/21/26, and Ask Us Anything: https://realinvestmentadvice.com/resources/events/ask-us-anything/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/p6Fp1bhtsDE ------- Watch our previous show, "Diversification Is Not Risk Management," here: https://youtube.com/live/9m5uCWh7hWw -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: -KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #IRAPlanning #RothConversion #RetirementTaxStrategy #RMDPlanning #WealthTransfer |
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2-10-26 Opportunities Emerge at Maximum Fear, Not Peak Optimism
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Markets swing between hype and panic, and investors often get trapped by both.
When prices rise, narratives justify overpaying; when prices collapse, fear convinces people assets are going to zero.
In reality, markets rarely move in extremes forever.
The best opportunities tend to appear when fear is highest, not when optimism is loudest, which is why disciplined, fundamentals-focused investors look for value during selloffs rather than chasing excitement at the top.
📺Full episode: -g
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
Speculative Narrative Unwinds
2026-02-09
For nearly two years, markets were driven by the same speculative narrative that “this time is different.” Bitcoin, precious metals, and AI-linked equities rose not only because of robust fundamentals, but also because investors clung to powerful narratives about inflation, disruption, and monetary collapse. Those speculative narratives are not only seductive but also contribute to …
2-6-26 Skate to Where the Money Is Going Next
2026-02-07
Most investors lose money by chasing whatever narrative is hot, whether it’s $SLV or $MSTR.
Real investing is about anticipating where capital will rotate next and building positions gradually, not trying to time exact bottoms or going all in.
Start small, size positions wisely, and let rotations work in your favor.
In this short video, Lance Roberts & Michael Lebowitz discuss why fundamentals matter more than headlines, and being early matters more than being fast.
📺Full episode: _IPrDUg
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
Kevin Warsh Or Kevin Hassett?
2025-12-17
Yesterday’s Commentary discussed Trump’s inclusion of Kevin Warsh in the race for Federal Reserve chair. Today, we compare some key differences between Kevin Warsh and Kevin Hassett. Understanding what each contributes to the Fed helps us better assess their effects on capital markets. Kevin Warsh was a Fed Governor from 2006 through 2011. We learned …
10-29-25 A Daily Dose Of Charts & Graphs
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In this Short video, I cover $SPY / $QQQ breakout to new highs, $NVDA $5T surge and its potential trade-deal boost, the seasonality tailwind into year-end, and why overbought mega-cap growth may soon rotate into oversold low beta.
I also touch on the strong earnings breadth, Fed rate-cut backdrop, and sentiment parallels to the late-’90s melt-up — everything you need in one visual market update.
🐦Follow me on X: https://x.com/LanceRoberts
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
10-28-25 Navigating Overbought Markets: Don’t Let FOMO Ruin Your Portfolio
2025-10-28
FOMO destroys more portfolios than bad stocks ever will.
In this short video, I explain why timing the market never works—and how rebalancing and managing risk can keep you invested when markets get overbought.
📺Full episode: _bQP4
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
10-27-25 The Most Dangerous Era in History
2025-10-27
We’re living through one of the most dangerous eras in history — not because of war or politics alone, but because of the extraordinary convergence of economic, financial, and geopolitical risks.
In this episode, we break down:
* How record global debt, AI-driven speculation, and geopolitical instability are colliding.
* Why the current market optimism masks systemic fragility.
* What investors can learn from past cycles — from 1929 to 2008 — to prepare for the next regime shift.
* The role of central banks, fiscal excess, and policy distortions that have created a fragile illusion of stability.
0:18 – EOM Approaches, Rare Earth, & the China Deal
4:28 – Markets Set New Highs
8:57 – Lance’s Grandkid Solution
10:28 – The Dumbest Stock Market in History
12:53 – Why Are Markets trading at
Dollar Debasement: Reality Or A Dangerous Narrative?
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Gold prices are soaring. And with each tick higher, more and more market pundits and investors are coming out of the woodwork, asserting that dollar debasement is the reason. Is that the correct reason, or might gold be in a momentum-fueled speculative bubble like many other assets? The answer has significant implications for the price …
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