Ric Edelman has some strong arguments against the Roth IRA. Joe & Big Al, aka "The Roth Brothers," offer their thoughts. Plus, understanding basis when it comes to Roth conversions. And what happens if you’ve already contributed, but by the end of the year you’ve exceeded the income limitation for Roth contributions? Can you open a Roth for your 12-year-old whose raking in babysitting bucks? What happens to your Roth when you die? It's an all Roth IRA episode!  Transcript & show notes: http://bit.ly/YMYW-212