Another Roth Conversion Perspective
Like many here, I have watched many YouTube videos on conversions and my perspective is there is a lot voodoo math and pretty graphs with huge tax savings in the future. The Widow tax is real and trying to pass money tax free to heirs are certainly some of the stronger reasons for conversions.
However, too many people complaining about taxes as if Rmds are going to be taxed at higher rates than ordinary income. They will not. By the time rmds are due, the government has given you a 50 year tax free loan. During that time you had use of that money and earned significant market returns all at that coursty of the US government.
Be thankful for living in the greatest country in world and in what has been strong market returns. Our kids may not be as lucky.
If you are worried about rmds, you have a lot of money. Live your life, spend as much as you can while healthy enough to do so. I having been saving my whole life for the future and my future is now. I am not worried about break even on a Roth at 90. Sure, be smart and take advantage of conversions at lower tax rates.
As they say, there are two certainties in life- death and taxes.