Absolutely. A 1,582% economic cost ignoring income taxes!!! I think I'll target $58k so I'll have some breathing room for unanticipated items or if a deduction is denied upon audit or something like that.
Yeah, after DS leaves I'll be at that $60k level I guess. Clearly not worth $10k for an extra $10k-$15k of Roth conversions. But that's a good thing overall. HI will be less than budgeted.