In this episode, James Derrick and Jordan Hadfield use a funny grocery-store mixup—the pink steering wheel—to illustrate a serious point about Roth conversions: the tool is powerful, but it isn’t right for everyone. Jordan walks through key considerations beyond the surface-level appeal of tax-free growth, including current vs. future tax brackets, the pro rata rule, effects on Social Security taxation, capital gains exposure, Medicaid/IRMAA impacts, and other hidden ‘‘taxes’’ like inflation and tariffs. The takeaway: crunch the numbers, evaluate personal circumstances, and consult a professional before jumping into a Roth conversion.