Learning to Build Wealth

Also, it’s not binary (to convert or not). You can always convert some to control the tax hit now. Personally I like the lack of rules regarding Roth distributions (no RMDs in particular) during life and at death (no taxes but must be accessed within 10 yrs).

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There are also downstream ramifications, some of which might be at odds. For example, Roth conversions tax as ordinary income. That might bump you into a higher bracket for ACA if you’re pre-Medicare or bump your IRMAA bracket if you are on Medicare.

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