In the past, David McKnight has been critical of gurus like Dave Ramsey. However, this episode looks at a video in which Ramsey seems to have slightly changed his views. Ramsey emphasizes that one key benefit of a Roth IRA is the potential to drastically reduce or even eliminate Required Minimum Distributions (RMDs). David explains that the decision to pursue a Roth conversion typically depends on whether you expect your future tax rate to be higher than it is today. David discusses a missed opportunity in Ramsey's advice to a caller, highlighting a critical point Ramsey seems to have overlooked. While David acknowledges a solid point made by Ramsey, he also identifies what he describes as "a huge blind spot in Ramsey's worldview." David highlights a "right move" by Ramsey – whether it's a deliberate policy shift or Ramsey unintentionally cornering himself remains to be seen… David praises Ramsey's advocacy for Roth accounts, a sentiment he wholeheartedly agrees with.     Mentioned in this episode: David's upcoming book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey David M. Walker Ed Slott Tom Hegna Dr. Laurence Kotlikoff Brian Bolan Wade Pfau

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