Originally Posted by 38Chevy454
I guess I could have been more clear. My assumption was OP Chet had other income since he has not taken any 401k withdrawals until now that he is required to by age. Maybe Chet has a large cash bundle under his mattress, or else he likely has some type of income.
I do agree the simple answer is you can't do a direct Roth conversion with RMD money. Also you need other income at least equal to the amount you intend to put into Roth account.
Chet is probably long gone, but what he would need is not other income, it is EARNED INCOME. I never took any distributions of any kind until RMDs were required, but I have not had any earned income for many years so no Roth contributions for me. That is what it means to live by one's assets.