DW and I are going to empty our Roths to pay for a new house build next year. The combined value of them is a bit less than 5% of the overall portfolio. The majority of the portfolio is in our respective IRAs. I am 62, DW is 65, we are both retired, DW will start taking SS next year, I will wait until 70. We have hit the 24% Federal tax bracket this, and last year (which is why raiding the Roths is attractive). We live in a state with no income tax. I am wondering about leaving a couple hundred in them to keep them alive, but I am hard pressed to find a use for them going forward. If I push (convert) any money into them from the IRA(s), it's going to get taxed at 24% right? I have never been able to justify converting into them somehow.
Thoughts?
Thoughts?