[Boomer]

Good afternoon, boys,

If I may reiterate…….of course this will not work for everybody.

But there are circumstances under which it can be a real bonus. (I just wrote an anecdotal, paragraphed example that included commenting on what can happily happen to the div inc tax rate in lower income years — like maybe a mid-year retirement, but then I decided to just let it go and step away from this screen. My real life awaits.)

Here’s the Cliff’s Notes version of what I wrote and then decided not to send………

I did it.

I know exactly why I did it.

I am glad I did it.

I am sorry I did not do a few more conversions in my early retirement years.

I don’t do it anymore.

I think younger people need to be aware of the possibility though.

One size does not fit all.

But it could fit a few TOTVers who might want to at least learn more.

Class dismissed.

Boomer