Mega Roth Conversions?
I'm about 2 years away from the starting line. For these last years, I am/will be stashing the equivalent of 2-3 years of budget into a cash account to use as living expenses at the beginning. All other investments are taxable brokerage, tIRA and 401K (no Roths)
This means that I should be able to have essentially zero income in at least the first year, and if I don't want to replenish the stash the first year, maybe two years worth.
Should I do the mega Roth conversions up to the 0% limit (~18K) each year (seems a waste of a zero income year), or go for the 10% limit, 15%, or something else?
What variables do I look at to make this choice?
I do plan to convert all possible to Roths over time as *I* think taxes are likely going to go up over my 35-40yr non-working life.
Thanks for any thoughts or comments on my idiocy....