I read this article in the Washington Post, “This widely touted retirement move isn’t all it’s made out to be.” That’s wrong: if you save and invest well, you ALWAYS want to convert to Roth if you can stay in the 22% tax bracket.

It’s a bit over five weeks before I take our RMDs and sell securities to get most all the cash I budget to pay ourselves for our spending for 2027. Unless something wild happens in the next five weeks, it will be a terrific, routine

You couldn’t miss the news on inflation and the Social Security COLA increase for next year. The stock market reacted negatively. Every measure of inflation was greater in September than in August except one: wage growth. The most dramatic increase was the producer’s price index

I calculate that Patti and I pay about 12% total tax to get the cash we want for our spending; it’s 16% if I add back the tax I previously paid to get the amount I distribute from Roth – the amount of tax I

You ideally have no more than $1 million in your Traditional IRA at age 73; you would want the the balance as Roth. At average long run return rates for stocks and bonds, you won’t cross the first IRMAA tripwire until your late 80s: 88