I trust p4fuski and others on the Roth IRA issues.
However, I'm lazy, the Roths seemed like too much trouble, and I think I'm permanently stuck in the 12-22% brackets, unless I die early and my DW lives for ever, and the stock mutual funds go to the moon--which is possible.
But I've withdrawn to the top of the 12% bracket from her IRA and my 403b. What we don't use is dumped into a taxable brokerage for emergencies, BTD spending or whatever. I'm slowing moving assets there into municipal bonds and a US and international ETF, to minimize taxes from it. It is now up to 10% of assets since we have by no means spent everything we withdrew over the last 6 years, in fact the taxable brokerage account is quite a c hunk now.
That said, moving unneeded funds to Roths, as many advocate here, is a better path. But as I wrote, I'm lazy and not all that convinced moving to Roths will help us much. If either of us live into our 90s and the stock market does well, the Roths will minimize taxes but we won't know how to spend it all. This is kind of in agreement with Fermian's post, but everyone's special circumstances should be the main decider, not a post like mine..