Just to clarify, you cannot withdraw RMD money and put it into a ROTH. But, you can use other retirement money and do a ROTH conversion, but that will mean paying more taxes above the taxes you owe on the RMD money. For example, if your retirement account has $100,000, and you need to withdraw $5,000 in RMD, then only the $95,000 still in the account would be eligible to convert to a ROTH. The $5,000 RMD withdrawal is taxable and cannot be deposited into a ROTH or any other retirement account. In my opinion, it is not a good idea to do a ROTH conversion that will increase your tax bill.
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