Your Roth Won’t Be Tax-Free If You Break These Rules
View original at nasdaq.comYour Roth Won’t Be Tax-Free If You Break These Rules In this episode of Motley Fool Hidden Gems Investing, Motley Fool personal finance expert Robert Brokamp discusses the following topics: The Social Security time bomb ticks louder with the recent release of the latest trustees’ report.Americans are keeping their cars…
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When the Social Security trust fund is depleted, the program will only be able to pay about 78% of scheduled retirement benefits from incoming payroll tax revenue.
60% confidenceThe S&P 500 posted annualized earnings growth of 28% in Q1 2026, well above the five-year historical average of 16%, with a substantial portion of that growth not coming from actual business operations but from mark-to-market accounting of equity investments.
60% confidenceAbout 12% growth in investment prices has inflated the earnings of companies in the S&P 500.
60% confidenceA Roth account withdrawal is generally considered qualified (tax- and penalty-free on earnings) if the account has been open for five tax years and the account holder is 59.5 years old.
60% confidenceWithdrawals from a simple IRA within the first two years of participation can incur a 25% penalty instead of the usual 10%.
60% confidenceAs of the end of 2025, the average monthly car payment was $767 for a new car and $537 for a used car.
60% confidenceHealthier people as a group tend to be wealthier, and cycling is a great way to improve both health and finances.
60% confidenceThe Social Security Retirement Trust Fund is now projected to run dry in late 2032, one quarter earlier than last year's estimate.
60% confidenceMedicare's Hospital Insurance Trust Fund is now projected to be depleted a quarter earlier, in 2033.
60% confidenceThe average vehicle on U.S. roads is now approximately 13 years old, a historic high and a 10% increase from a decade ago.
60% confidenceContributions to a Roth account are always tax- and penalty-free, regardless of age or how long the account has been open.
60% confidenceStock Advisor's total average return is 936%, a market-crushing outperformance compared to 209% for the S&P 500, as of June 21, 2026.
60% confidence
Data points we hold from this source
| Social Security Administration · benefit payable after depletion | 78 percent |