Ronstar
Moderator Emeritus
Since you'll pay the same tax amount later as now, why not pay later? I'd convert now only if the tax was expected to be significantly lower than later. Tax rates may go up in 2026, or they may drop more by then.
Great question. The CPA at the tax seminar that I attended has me somewhat convinced that tax rates will rise by 2026.
That said, there is a lot of great info in this thread that is giving me thought of lowering my planned conversions. But I'm 62 and have never converted anything yet. So I have some catching up to do.