The Black Box

[dieselfuel]

"When you transfer from IRA to Roth IRA the WHOLE amount of the transfer is taxed as earned income. (And it's counted in determining the $100K adjusted income I mentioned before. --Most unfair if you ask me)"

The IRS always gets theirs.
That's one branch of gov't you don't want to F### with.
They can make you life a living hell.