Skip Roth IRA conversion?

[pb4uski]

Yes, unless you expect to be in a low tax bracket once SS and RMDs start, filling the 10% and 12% tax brackets is a no brainer... 22%... not so much.

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Quote:

Originally Posted by pb4uski Yes, unless you expect to be in a low tax bracket once SS and RMDs start, filling the 10% and 12% tax brackets is a no brainer... 22%... not so much.

This is the way it looks to me, that moving money to Roth accounts at a 10 or 12% federal rate is clearly a good idea. It looks like we'll have some room to do that in 2020-2022.