Zona
Recycles dryer sheets
- Joined
- Apr 26, 2013
- Messages
- 334
Without specifying hard numbers I will say that it is the amount that has me concerned. We are not trying to convert to the point that we end up with $0 in RMDs at age 75 for DH but I also don't want to under-convert and run the risk of having a lot of growth in the IRAs -- in that scenario we still end up having big RMDs and Social Security income at the same time later in life.
It's too bad I can't purchase the "Magic Midpack Roth Conversion Spreadsheet"
but I totally understand how hard it is to scrub personal numbers out and explain the mechanics and thinking behind it. I am not clever enough about projecting future taxes and growth (can barely predict this/next year taxes) so I don't see myself building my own spreadsheet. I will be looking into the software packages that Midpack recommended upthread.
