Investopedia, Vanguard, and Schwab state that you lose after-tax earning power if you pay the taxes on a conversion from your traditional or Roth account. You can find similar advice elsewhere. I assert they are flat-out INCORRECT. When you pay the taxes from your Roth,

I am on the track to convert some traditional to Roth EVERY YEAR. I want to lessen the bad tax effects of RMD from our traditional IRA. This post provides a spreadsheet you can use to judge how much you should convert this year: one

Last week I recalculated to a real increase in our Safe Spending Amount (SSA) for the upcoming calendar year (see Chapters 2 and 9, [NEC]). My post included a pdf of a detailed spreadsheet that shows ten years of recalculation of our SSA.

I revised the spreadsheets for tax planning that I included in this post two weeks ago. I corrected the math that calculates the taxable gain on sale of taxable securities. My taxable gain is much less than I previously calculated. These are the corrected sheets