Dave Ramsey says this group of Americans could lose out from Roth conversions. Are you one of them?

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The phrase “Roth conversion” instantly sounds financially savvy. Perhaps that’s why the maneuver has become so popular in recent years.

The tactic comes with an elegant pitch: Pay taxes now on your pre-tax retirement savings, move the money into a Roth IRA and enjoy tax-free growth and withdrawals forever. It makes a lot of sense for many people.

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But for some, the tradeoff might not be worth it, according to radio host and finance guru Dave Ramsey. Here’s a closer look at the specific group of people he believes should avoid Roth conversions.

In a blog post on Ramsey Solutions (1), the veteran influencer writes at length about the mechanics and benefits of Roth conversions. In Ramsey’s view, the technique offers tax-free growth and potentially tax-free withdrawals later in life, which “might save you a lot of money in the long run.”