If you pay zero federal tax then you likely have some headroom to do Roth conversions and still pay no tax at all. In that case, that amount is a no-brainer to do at least that amount rather than let that headroom go wasted.
Absent Roth conversions we would pay no tax so we have an amount of headroom that we could convert and our tax bill would still be zero so that is a nobrainer.
Can you please illustrate your point of paying no taxes while doing a Roth conversion if you are living off of taxable income. Which marginal tax bracket could you fill up to pay zero taxes?
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