I guess I had one semi pleasant surprise. We made a lot more money this year than previously due to some unforeseen income, and my Mom left me a little in a USAA annuity that threw off taxable income too. So my big Roth conversion last year took us way over the 15% bracket. However, I was able to recharacterize part of it down to the top of the 15% bracket, and it was easy. That was a bit of a surprise. And Vanguard's rep was very helpful. So, glass half full.
"Good judgment comes from experience. Experience comes from bad judgement." - Will Rogers
DW and I - FIREd at 50 (7/06), living off assets