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Yearfold journal

Field notes on planning a real retirement

Every post links its sources. We update the year-stamp on the right whenever a post is reviewed against new data.

April 21, 2026 · The Yearfold team
Roth conversion ladders in 2026: when they pay, when they don't
A Roth conversion ladder can save high-income retirees six figures in lifetime taxes — or cost them the same if mistimed. Here's the math.
pillar · roth · taxes