We have had historic low tax rates for a long time. What are the chances that they will stay low for a long time? Whenever you have a taxable account remember you have an uncle waiting for his share. There are many MANY questions to be answered. Married, kids, charities, health, age? A good resource is Ed Slott, he is a tax/Roth expert.
In my situation, we are doing Roth conversion while tax rates are still low (until 2026).
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