Mistake made

[Fedup]

I think she meant the amount will be high. So it's best to convert to Roth early.


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[jerryo]

I would think that you're nearly always better off deferring taxes on current earnings and on tax deferred investment for 20 or 30 or 40 years has to nearly always be a better deal than paying taxes upfront (ROTH accounts aside). You'd have to posit a much higher future tax rate to end up worse off.....

[cyber888]

I'm planning to take out little by little just right at the poverty level , so I pay $0.00 taxes to Federal and State. Put it in the taxable account and invest it in tax-exempt bond funds.