Roth Advice Gone Wrong and Mandatory Roth Catch-Up Contributions in 2026

This episode of Motley Fool Money features Robert Brokamp interviewing Megan Brinsfield about when contributing to a Roth account may not be the best financial decision. They discuss how Roth conversions can impact adjusted gross income (AGI), affecting Medicare costs and eligibility for deductions. They also address the psychological appeal of Roth accounts, the limitations of online analysis tools, and alternative strategies like qualified charitable distributions (QCDs) and health savings accounts (HSAs). The episode also touches on upcoming changes to retirement account contribution limits in 2026, including mandatory Roth contributions for higher-earning workers over 50, and strategies to optimize contributions.