The #1 Roth Conversion Mistake That Costs Retirees
Most people missed the first Roth conversion window. History is offering a rare second chance — but not a long one.
With today's tax rates extended, IRA Millionaires have a brief stretch of historically low brackets left. When it closes, the math changes: higher rates, bigger required distributions, and fewer conversion opportunities each year you wait.
Craig Wear, CFP®, has spent 15+ years helping more than 3,000 families with $1M+ in IRAs plan Roth conversions — helping them avoid a projected $10B+ in lifetime taxes. His new book, Roth Conversion Reset, is the step-by-step playbook:
Lock in today's low rates
Avoid RMD surprises at 73
Protect your spouse from survivor taxes
Keep more for your heirs
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Good Morning,
The Federal Government has opened a mortgage application portal allowing eligible Nigerians to access home loans of up to ₦50 million at affordable financing terms. The initiative could widen access to homeownership and strengthen housing demand as high property prices and limited mortgage finance continue to constrain the market.
Nigerians Can Apply for Up to ₦50m Home Loans as FG Opens Mortgage Portal
The Federal Government has opened an application portal for Nigerians seeking access to home loans of up to ₦50 million, providing another financing channel for prospective homeowners amid persistent affordability challenges in the housing market.
Enugu Approves 19,000 Housing Units to Tackle Housing Deficit
The Enugu State Government has approved the construction of 19,000 housing units across two major residential developments as part of efforts to increase housing supply and reduce the cost of accommodation in the state. The approval covers 1,000 units in New Enugu City and 18,000 mass housing units at Gateway Estate.
Nobody actually knows how AI gets used.
AI tool sprawl happened fast, and visibility never caught up. Employees paste contracts into ChatGPT, run code through Copilot, and build workflows in apps security never approved.
Harmonic Security classifies every AI interaction by task, tool, and team, so you can see what’s actually happening across approved and unapproved apps alike.
Nigeria’s Real Estate Market Projected to Reach $40bn by 2030 Amid Rising Housing Demand
Nigeria’s real estate market is projected to reach about $40 billion by 2030, reflecting growing demand for housing and property as population growth and urbanisation continue to expand the country’s built environment.
Kano Commits ₦996bn to 1,557 Projects, Including Mass Housing and Major Roads
The Kano State Government says it has committed ₦996.29 billion to 1,557 development projects across the state's 44 local government areas, with investments spanning mass housing, roads, bridges, urban infrastructure and rural development
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MREIF Reports Strong Half-Year Performance as Mortgage Portfolio Expands
The MOFI Real Estate Investment Fund (MREIF) recorded strong financial performance in the first half of 2026, with its mortgage portfolio expanding significantly as the fund continues to channel long-term capital towards housing finance.
FG Adds 208MW Transmission Capacity to Lagos Through Ijora, Apapa Upgrades
The Federal Government has commissioned upgraded transmission substations at Ijora and Apapa Road in Lagos, adding 208 megawatts (MW) of bulk transmission capacity to the national grid and strengthening electricity infrastructure across key commercial, industrial and residential areas.
Quote of the day:
“Progress begins the moment systems replace shortcuts, and accountability becomes the standard.”
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