[quote=flu]Since I won’t be able to touch my 401k/IRA until 65, my other thing is my non-ira/401k investments with 4% dividend returns would generate $40k/year after taxes if I could consistently hit a 4% dividend return.[/quote]
Sounds like you have a lot of income & assets by the time you’re 60. Why not retire then and start moving all your IRA/401k to Roth?
I’m looking at what to do to reduce my taxable income at 72 to avoid hitting the Medicare IRMAA limits. Mostly involves retiring early enough to move assets from non-Roth to Roth when i retire (assuming markets don’t just die from here on out)
