pb4uski
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
That's important to know, along with how much head room you have in the 12% Fed tax bracket. ....
+1 because it is a no-brainer to at least convert to the top of the 12% tax bracket.... actually, the top of the 0% preferenced income tax bracket... which is $80,000 for MFJ for 2020... add $24,800 of standard deduction and that is $104,800 of total income. Subtract your income before the Roth conversion to get your headroom.