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.
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"Good judgment comes from experience. Experience comes from bad judgement." - Anonymous (not Will Rogers or Sam Clemens)
DW and I - FIREd at 50 (7/06), living off assets
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