joec, I totally agree with your assessment. Everybody’s situation is different and they have to do their own calculation. I also like to add another point to conversion. To me, the best time to do conversion is after the market has crashed hard. As long as you invest the same way, regardless if it’s roth or tradition, then you’re pay less taxes at the bottom vs convert when the market is booming. If your break in employment line up with the bottom of the market, that’s even better.
