[M2inOR]

Math is involved as was mentioned earlier.

A conversion is NOT for everyone.

For me, the RMDs added to our SS benefits provided more annual income than what we needed. We would have been placed into a higher tax bracket, so for us, it was a wash.

If we placed the extra money in a taxable account to grow, we would have to pay taxes on that growth, and who knows what future taxes would be on capital gains or interest income.

So, for some, pay the taxes now, and let that money grow tax free.

Every situation is different. Yes, knowledge of tax preparation and taxes is important. And yes, there are guides to help you determine whether it makes sense for your particular situation.

Math skills and reading are required.