Tough decision that has to be made on ones individual situation , desires and concerns, one thing that hasn't been mentioned yet is the estate planning aspect, here again everyone is going to have a different perspective. I did a conversion some years ago , it was sizable enough that my hand cramped up writing the check to Uncle Sugar. OK I'm something of a "tightwad" , they took the buffalo off the nickel because PETA complained that people like me were squeezing them too hard
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