Some years ago when the rules were no doubt different than they are today I had an otherwise very low taxable income year and took advantage of that to convert my IRAs to Roth IRAs. Of course I had to pay tax on my withdrawals but IMHO I benefited because today at age 75 I face no RMD issues. Too, when the day comes I do take distributions from my Roth they will not be taxable - unless of course the rules change. It was a personal choice which I did not analyze by calculating an IRR or anything like that; personal circumstances and perspectives differ so it is very much an individual matter.
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"No one is more hated than he who speaks the truth." Plato
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