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A Roth conversion moves assets from tax-deferred retirement accounts, such as 401(k)s, to a Roth IRA, where you can withdraw qualified distributions tax-free. If you don’t want to pay tax on retirement income later on or expect your tax rate to increase, conversion may be right for you.
There’s a catch. Conversion is a taxable event. Pretax principal and investment gains are treated as ordinary income in the year of the conversion. This increases income and could push you into a higher tax bracket. It can also increase Medicare premiums.
While most people pay standard premiums, an income-related monthly adjustment amount applies to high earners. As of 2026, IRMAA added between $81.20 and $487.00 to Part B premiums.
Income from two years prior determines whether IRMAA applies. So, premiums at age 65 are based on income at 63, premiums at 66 are based on income at 64, and so on.
Since most people start Medicare at 65, income from a conversion at 63 or later could trigger IRMAA, making the conversion process much costlier. You don’t have this problem at 62 or younger, so if you’re considering conversion, factor this into your timeline.
As lawmakers returned to Washington on Monday, an expected impeachment vote loomed over Defense Secretary Pete Hegseth.
The effort to remove Hegseth has been led by Rep. Thomas Massie (R-Kentucky), who said he plans to introduce a resolution calling for a vote as soon as Monday.
Even if the House votes to impeach Hegseth, a conviction would require a two-thirds majority in the Senate, making his removal from office unlikely.
The House has impeached just two Cabinet officials in the United States’ 250-year history.
The first was distinguished Civil War veteran William Belknap, President Ulysses S. Grant’s secretary of war, amid a corruption scandal in 1876. He was charged with criminal disregard for his office and accepting payments in exchange for making official appointments. Belknap resigned before the House vote but was impeached regardless. The Senate acquitted him.
In 2024, President Joe Biden’s homeland security secretary, Alejandro Mayorkas, was impeached and accused of failing to enforce immigration laws and breaching public trust. The charges were narrowly approved in the House, but the Senate dismissed them without a full trial.
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As a nutrition columnist, I often interview experts to get their thoughts on the latest studies about food and health. But for the past year, I’ve been asking them a more personal question: What do you eat for breakfast, lunch and dinner?
I’ve heard some fascinating answers. While their meals are never identical, they often share a common theme, especially when it comes to breakfast: Greek yogurt. They like Greek yogurt because it’s high in protein, rich in vitamins and minerals, and it contains probiotics, which promote gut health.
If you need breakfast inspiration, here are ideas from some of the country’s top health experts:
- Walter Willett, a professor and former chair of the department of nutrition at the Harvard T.H. Chan School of Public Health. Willett prepares a bowl of steel-cut oats, then adds a cup of Greek yogurt, some nuts, and fruit. His fruit of choice is usually blueberries, which he prefers because studies have found that blueberries may help lower your risk of developing neurodegenerative diseases such as Alzheimer’s and Parkinson’s disease.
- Chris Damman, a microbiome expert and gastroenterologist at the digestive health center at the University of Washington Medical Center. Damman’s typical breakfast contains fiber, fermented foods, healthy fats and polyphenols, which are beneficial compounds found in plants. Some mornings he has a bowl of oatmeal and adds nuts, seeds, milk, berries and a bit of dark chocolate. Other mornings, he eats a bowl of low-fat Greek yogurt topped with granola, nuts and fresh fruit.
- Eric Topol, a cardiologist and author of the best-selling book “Super Agers: An Evidence-Based Approach to Longevity.” Topol starts his mornings with a big cup of black coffee, followed by a bowl of nonfat Greek yogurt topped with blueberries or strawberries and low-sugar granola. “I look forward to it every day,” he told me.
For NFL front offices, Sunday was the final exam. By Tuesday afternoon’s trade deadline, every team has to decide whether it’s chasing a title this season or chasing draft picks — and a few of them got pretty clear answers this weekend.
Start in Indianapolis, where all-pro running back Jonathan Taylor may have just played his last game as a Colt. Indy lost to Dallas on a touchdown in the final two minutes and fell to 2-7, and Taylor spent his postgame news conference fielding questions about whether he’d be back. The Colts reportedly have an offer of a second-round pick and more for their star running back, but they surely would like a bigger haul.
Cincinnati, meanwhile, looks like a team ready to shop, perhaps just a piece or two away from a return to the Super Bowl. Quarterback Joe Burrow was terrific again in an impressive win over the Falcons in Madrid. The Bengals already gave up a first-round pick for defensive tackle Dexter Lawrence II in the spring, and another splash, maybe at safety, wouldn’t be shocking.
Wideouts could be the hottest item these next couple of days. Kansas City had no problem handling the Jets on Sunday, but the Chiefs are still winning without much receiving help for quarterback Patrick Mahomes. And Denver, which somehow keeps pulling out close wins and leads the AFC West, could also use receiving help. Indianapolis’s Josh Downs, Tennessee’s Calvin Ridley and Cleveland’s Jerry Jeudy are among the names floating around.
Then there are the teams that may be ready to call it a season. The Chargers are 0-8 after getting blown out by Houston. They insist they don’t need to sell, but contenders will surely call about pass rusher Khalil Mack anyway. Philadelphia has lost seven straight and needs to start planning for its future. The Eagles already sent center Cam Jurgens to Baltimore, but tight end Dallas Goedert is among those who could also hear his name called Tuesday.
And Dallas, despite its win over the Colts, is 4-5 and could listen on receiver George Pickens, who’s playing on the franchise tag this season.
As for Taylor, he said he knows as much about his future as the rest of us. Speaking to reporters after Sunday’s 27-23 loss, he very much sounded a lot like a man saying goodbye.
Asked if it was his final game there, he said, “If it is, I’m very grateful for the city of Indianapolis.”
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- November 9, 2026
Should the Commanders buy or sell at the deadline? Neither.
Artificial intelligence computer chip giant Nvidia’s shares fell in premarket trading Monday, as the company investigates its chief executive over his relationship with a suspected Chinese spy.
The company’s shares were down more than 5 percent as of 7 a.m. Eastern time Monday, a day after Nvidia announced an investigation into Jensen Huang.
A Nvidia spokesman said Huang — who is one of the world’s most powerful tech chiefs and is close with President Donald Trump — would continue to lead the company during the investigation.
The New York Times reported last month that U.S. intelligence services suspected Alice Huang, an executive at an Nvidia customer with whom Jensen Huang had developed a relationship, of being a Chinese spy. President Donald Trump was briefed on the information a year ago but chose not to take action on it, the Times reported.
Trump told reporters Sunday that he had not spoken to the Nvidia chief about the allegations. Asked if he wished he’d acted on the intelligence, Trump called Jensen Huang “an honorable guy,” adding: “I think he probably has an excuse for it.”
A gunman suspected of killing six people in the Polish city of Krakow and three family members at his home died in a hospital early Monday, police said.
The shooter opened fire in in Krakow’s Old Town on Saturday afternoon, killing six people — four Poles, one British and one Austrian national — and injuring 15 others. He was then shot by police.
Authorities said the bodies of two women and a man — identified as the suspect’s parents, 53 and 52, and 21-year-old sister — were later found at his home in Ostrowiec Swietokrzyski.
The suspect — who was in his mid-20s and has not been publicly named — appeared to have been “fascinated by far-right ideologies,” Polish Interior Minister Marcin Kierwinski said Saturday.
Officials said Sunday they had opened an investigation into the attack and attempted killings of others, including police officers, which they said constituted a terrorist offense.
Government spokesman Adam Szlapka told Poland’s TVN24 authorities were waiting for “complete information” before commenting on a possible motive.
Good morning. It’s Monday, Nov. 9, and, in such divided times, kudos to the men of “Love Is Blind” for uniting us all in ick.
The continuing fallout from last week’s midterm elections leads today’s edition of The 7 briefing. Some ambitious Republicans are turning their attention to the 2028 presidential primary, sensing that heavy GOP losses have weakened Vice President JD Vance.
President Donald Trump took stock of the midterm results in a “60 Minutes” interview that aired last night. He appeared to be in a reflective mood but also sought to defend himself.
Defense Secretary Pete Hegseth remains under pressure following the election results. An effort to impeach him may get underway this week as lawmakers return to Washington.
Further down in the briefing, we look at research into how the time of day impacts stroke risk. And a storied ocean liner’s voyage is coming to an end.
Read today’s edition of The 7 briefing here.
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