Greetings, I am in the class of 2015 although it will be at the very end of the year. My question is I am thinking I may have to control my MAGI to get the ACA subsidy and with my pension I will be very near the 400% limit. When I FIRE I should have around 100k in Roth account I currently have only $55k and balance in Deferred Tax account if I keep my current allocations. Both of us are working so we could take the tax hit so I am thinking about going all ROTH for the next 18 months. That would give me an additional $80K in contributions as DW and I are both maxing out plus catch ups. What I don't know is if I am going to start withdraw that money right away is there a benefit. I would likely only need to withdraw about $12K per year from the ROTH. The subsidy would be worth about $6k per year. It seems my taxes for next year would go up around 12K and maybe 6k for this year if I changed over. I am looking to make the ROTH money last until Medicare.
FIRECAT
FIRECAT