You did great. Roth is the way to go. You can let it compound and uncle Sam cannot hehe interfere. RMD will not force you to withdraw. And when you passed that Roth to your kids for example, your kids also not bothered by RMD and taxes. We never know if taxes will be increased or not in the future. If tax will be increased by a lot, there will be a lot of unhappy retires whose money is parked in 100% IRA.