cgavin5 Friday, 05/22/20 11:53:12 AM Re: santafe2 post# 84364 Post # of 84780 Certain contingencies SF- 1. You're still employed. I have been retired since 56, 10 years ago. 2. You're still going to pay taxes on the money withdrawn, so your future tax savings will be contrasted by the taxes you're paying now. 3.You'll have to pay taxes out of future earnings anyway since you will effectively reduce your net worth with tax outlays next year to cover your Roth conversion. 4. My own philosophy is keep as much money as possible and not pay taxes until absolutely necessary, so this method I wouldn't subscribe to. Since taking massive amounts out now and paying taxes next April isn't as good as taking small amounts out later on as needed or required by RMD. What do you think ?