Dave Ramsey Just Gave You Two Hidden Reasons to Move Everything to a Roth.
No RMDs and No Inherited-IRA Forced Withdrawal Dave Ramsey just gave away the two reasons most people convert to a Roth too late, if they convert at all
I’ve been studying retirement account mechanics for over a decade, and the part of his pitch that lands hardest is what happens after you die. Here is the math behind both of his claims, and the one variable that decides whether converting is brilliant or expensive. The quote that reframes the Roth debate On the April 10, 2026 episode of The Ramsey Show titled Start Telling Your Money Where To Go, Dave Ramsey said: “moving everything to Roth people, that ain’t bad or overtime, that’s the move.
It gives you two things I had not considered early on. And that’s no RMDs and no inherited IRA forced withdrawal.” He then walked through the kicker: “think about the what if they held, let’s take a million dollars and they hold that seven years, years after you die because they don’t have to withdraw it under the Biden rule, it’s going to double. It’s going to be another million dollars.