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joec
ParticipantI agree that there are sex offenders everywhere. I’m just pointing out that in terms of future value and price increases, any home buyer is going to do basic research and something like this may completely put off a buyer. At least for us, this was one of the checks we did and one of the reasons we did not buy there.
Anyhow, here’s some data for thoughts/discussion:
San Marcos comes out pretty well on this metric, at least based on this data.
ZIP — CITY — # of sex offenders — Population — # of offenders per 10000 people.
92025 Escondido: 45 / 50,337 = 8.9397 offenders for every 10k peeps
92071 Santee: 47 / 54,369 = 8.6446 offenders for every 10k peeps
92126 Mira Mesa: 32 / 77,323 = 4.1385 offenders for every 10k peeps
92127 4s Ranch: 7 / 20,869 = 3.3543 offenders for every 10k peeps
92069 San Marcos: 22 / 74,591 = 2.9494 offenders for every 10k peeps
92118 Coronado: 5 / 22,593 = 2.2131 offenders for every 10k peeps
92037 La Jolla: 5 / 46,231 = 1.0815 offenders for every 10k peeps
92130 Carmel Valley: 3 / 29,364 = 1.0217 offenders for every 10k peepsPopulation data based on zip code search at City Data.
http://www.city-data.com/Megan’s Law data from Office of the Attorney General’s website based on zip again:
http://www.meganslaw.ca.gov/ParticipantI agree that there are sex offenders everywhere. I’m just pointing out that in terms of future value and price increases, any home buyer is going to do basic research and something like this may completely put off a buyer. At least for us, this was one of the checks we did and one of the reasons we did not buy there.
Anyhow, here’s some data for thoughts/discussion:
San Marcos comes out pretty well on this metric, at least based on this data.
ZIP — CITY — # of sex offenders — Population — # of offenders per 10000 people.
92025 Escondido: 45 / 50,337 = 8.9397 offenders for every 10k peeps
92071 Santee: 47 / 54,369 = 8.6446 offenders for every 10k peeps
92126 Mira Mesa: 32 / 77,323 = 4.1385 offenders for every 10k peeps
92127 4s Ranch: 7 / 20,869 = 3.3543 offenders for every 10k peeps
92069 San Marcos: 22 / 74,591 = 2.9494 offenders for every 10k peeps
92118 Coronado: 5 / 22,593 = 2.2131 offenders for every 10k peeps
92037 La Jolla: 5 / 46,231 = 1.0815 offenders for every 10k peeps
92130 Carmel Valley: 3 / 29,364 = 1.0217 offenders for every 10k peepsPopulation data based on zip code search at City Data.
http://www.city-data.com/Megan’s Law data from Office of the Attorney General’s website based on zip again:
http://www.meganslaw.ca.gov/ParticipantThanks for your long reply SRO. I think for me and my family, we certainly didn’t want to wait 10, 15 or even 5 years because number 1: we were buying to live now and the home was never an investment. Life can also change so even though we all plan to be somewhere for 10-20 years, you never know.
We wanted to enjoy our area, feel safe outside walking about, have good schools and maybe the upside isn’t as high in other areas, but I still think when/if the market moves back up, pretty much all the other areas discussed here will have better appreciation due to more limited supply (#1) and greater desirability to be closer to the employment centers. I think in general, most home buyers would prefer to live in a smaller house in a nicer area compared to a big house in a not as nice area. That was our thinking at least. Location location location right?
I agree that the city of Santee is trying very hard to improve the image and clean it up a lot. This was also our reasons for trying to find a new home there and we were extremely close to pulling the trigger on Riverwalk/Stoney Creek. Looking at prices back in Feb 2008, Plan 3 (2600 sqft) was going for 565k. Crestview was going for 595k – 690k in April 2008 with most closer to 610k or so. I think that’s off 75-100k now for Crestview…Still, at 500k, I think I’d rather pay lower HOA fees and move to Del Sur if I had to have a new home or some of the new smaller places in Carlsbad for 500-600k.
I understand not wanting to say what you paid, but any range of everything that closed around that time is ok with me (and I don’t want to bother looking it up) since I think for the same amount, we’d probably look elsewhere.
I suppose in end, it really just boils down to what’s important to you and a view is worth $0 to us so that’s why we didn’t go for Sky Ranch. 🙂
Hope this helps other folks in the same house hunting even though it seems like a lot of Pigg members have bought in the past 2 years. I know I don’t visit as much as I used to myself!
ParticipantThanks for your long reply SRO. I think for me and my family, we certainly didn’t want to wait 10, 15 or even 5 years because number 1: we were buying to live now and the home was never an investment. Life can also change so even though we all plan to be somewhere for 10-20 years, you never know.
We wanted to enjoy our area, feel safe outside walking about, have good schools and maybe the upside isn’t as high in other areas, but I still think when/if the market moves back up, pretty much all the other areas discussed here will have better appreciation due to more limited supply (#1) and greater desirability to be closer to the employment centers. I think in general, most home buyers would prefer to live in a smaller house in a nicer area compared to a big house in a not as nice area. That was our thinking at least. Location location location right?
I agree that the city of Santee is trying very hard to improve the image and clean it up a lot. This was also our reasons for trying to find a new home there and we were extremely close to pulling the trigger on Riverwalk/Stoney Creek. Looking at prices back in Feb 2008, Plan 3 (2600 sqft) was going for 565k. Crestview was going for 595k – 690k in April 2008 with most closer to 610k or so. I think that’s off 75-100k now for Crestview…Still, at 500k, I think I’d rather pay lower HOA fees and move to Del Sur if I had to have a new home or some of the new smaller places in Carlsbad for 500-600k.
I understand not wanting to say what you paid, but any range of everything that closed around that time is ok with me (and I don’t want to bother looking it up) since I think for the same amount, we’d probably look elsewhere.
I suppose in end, it really just boils down to what’s important to you and a view is worth $0 to us so that’s why we didn’t go for Sky Ranch. 🙂
Hope this helps other folks in the same house hunting even though it seems like a lot of Pigg members have bought in the past 2 years. I know I don’t visit as much as I used to myself!
ParticipantThanks for your long reply SRO. I think for me and my family, we certainly didn’t want to wait 10, 15 or even 5 years because number 1: we were buying to live now and the home was never an investment. Life can also change so even though we all plan to be somewhere for 10-20 years, you never know.
We wanted to enjoy our area, feel safe outside walking about, have good schools and maybe the upside isn’t as high in other areas, but I still think when/if the market moves back up, pretty much all the other areas discussed here will have better appreciation due to more limited supply (#1) and greater desirability to be closer to the employment centers. I think in general, most home buyers would prefer to live in a smaller house in a nicer area compared to a big house in a not as nice area. That was our thinking at least. Location location location right?
I agree that the city of Santee is trying very hard to improve the image and clean it up a lot. This was also our reasons for trying to find a new home there and we were extremely close to pulling the trigger on Riverwalk/Stoney Creek. Looking at prices back in Feb 2008, Plan 3 (2600 sqft) was going for 565k. Crestview was going for 595k – 690k in April 2008 with most closer to 610k or so. I think that’s off 75-100k now for Crestview…Still, at 500k, I think I’d rather pay lower HOA fees and move to Del Sur if I had to have a new home or some of the new smaller places in Carlsbad for 500-600k.
I understand not wanting to say what you paid, but any range of everything that closed around that time is ok with me (and I don’t want to bother looking it up) since I think for the same amount, we’d probably look elsewhere.
I suppose in end, it really just boils down to what’s important to you and a view is worth $0 to us so that’s why we didn’t go for Sky Ranch. 🙂
Hope this helps other folks in the same house hunting even though it seems like a lot of Pigg members have bought in the past 2 years. I know I don’t visit as much as I used to myself!
ParticipantThanks for your long reply SRO. I think for me and my family, we certainly didn’t want to wait 10, 15 or even 5 years because number 1: we were buying to live now and the home was never an investment. Life can also change so even though we all plan to be somewhere for 10-20 years, you never know.
We wanted to enjoy our area, feel safe outside walking about, have good schools and maybe the upside isn’t as high in other areas, but I still think when/if the market moves back up, pretty much all the other areas discussed here will have better appreciation due to more limited supply (#1) and greater desirability to be closer to the employment centers. I think in general, most home buyers would prefer to live in a smaller house in a nicer area compared to a big house in a not as nice area. That was our thinking at least. Location location location right?
I agree that the city of Santee is trying very hard to improve the image and clean it up a lot. This was also our reasons for trying to find a new home there and we were extremely close to pulling the trigger on Riverwalk/Stoney Creek. Looking at prices back in Feb 2008, Plan 3 (2600 sqft) was going for 565k. Crestview was going for 595k – 690k in April 2008 with most closer to 610k or so. I think that’s off 75-100k now for Crestview…Still, at 500k, I think I’d rather pay lower HOA fees and move to Del Sur if I had to have a new home or some of the new smaller places in Carlsbad for 500-600k.
I understand not wanting to say what you paid, but any range of everything that closed around that time is ok with me (and I don’t want to bother looking it up) since I think for the same amount, we’d probably look elsewhere.
I suppose in end, it really just boils down to what’s important to you and a view is worth $0 to us so that’s why we didn’t go for Sky Ranch. 🙂
Hope this helps other folks in the same house hunting even though it seems like a lot of Pigg members have bought in the past 2 years. I know I don’t visit as much as I used to myself!
ParticipantThanks for your long reply SRO. I think for me and my family, we certainly didn’t want to wait 10, 15 or even 5 years because number 1: we were buying to live now and the home was never an investment. Life can also change so even though we all plan to be somewhere for 10-20 years, you never know.
We wanted to enjoy our area, feel safe outside walking about, have good schools and maybe the upside isn’t as high in other areas, but I still think when/if the market moves back up, pretty much all the other areas discussed here will have better appreciation due to more limited supply (#1) and greater desirability to be closer to the employment centers. I think in general, most home buyers would prefer to live in a smaller house in a nicer area compared to a big house in a not as nice area. That was our thinking at least. Location location location right?
I agree that the city of Santee is trying very hard to improve the image and clean it up a lot. This was also our reasons for trying to find a new home there and we were extremely close to pulling the trigger on Riverwalk/Stoney Creek. Looking at prices back in Feb 2008, Plan 3 (2600 sqft) was going for 565k. Crestview was going for 595k – 690k in April 2008 with most closer to 610k or so. I think that’s off 75-100k now for Crestview…Still, at 500k, I think I’d rather pay lower HOA fees and move to Del Sur if I had to have a new home or some of the new smaller places in Carlsbad for 500-600k.
I understand not wanting to say what you paid, but any range of everything that closed around that time is ok with me (and I don’t want to bother looking it up) since I think for the same amount, we’d probably look elsewhere.
I suppose in end, it really just boils down to what’s important to you and a view is worth $0 to us so that’s why we didn’t go for Sky Ranch. 🙂
Hope this helps other folks in the same house hunting even though it seems like a lot of Pigg members have bought in the past 2 years. I know I don’t visit as much as I used to myself!
ParticipantThis is my take on Sky Ranch and Santee in general. We visited all the new Santee communities (Riverwalk, Skyranch) back in mid – late 2008. Some of the plan 3 Stoney Creek Riverwalk places were going for 550k or so then? Sky ranch Crestview was listing for 655k or so back then? I agree that when you get inside your home in Skyranch, it’s nice and quiet, but getting there isn’t so nice IMO.
On our first visit, we didn’t notice the run down strip mall (on mission gorge?), apartments right outside Skyranch, but on a subsequent visit, we just didn’t like what we saw getting there. People hanging around street corners and there being a few apartment complexes right outside the slope and checking the sex offender website, a few sex offenders living there as well was a big negative for us.
Another thing I noticed is that they advertise no MR, but when we first visited and about a year later, the HOA actually went up. If someone has old notes from 2008, 2009 and now, the HOA back then was “only” about $150 or so I think.
You also don’t get much for your HOA fee we felt and they had to raise the fee to pay for the slope maintenance (useless IMO). When we looked back then, only 2 of the 12 or 13 Crestview homes sold telling us that they were already overpriced and HOA fees had to go up to cover the maintenance (and it did). Maybe it’s better now, but advertising no MR and raising HOA left a bad taste in our mouth.
Another thing I’ve noticed is that Santee seems to be the dumping ground for the rest of San Diego. There is a dump there and I think Santee just lost a San Diego vote to expand the dump site there since it’s owned by “San Diego”. They are also expanding the jail I think. No one else wants it, let’s give it to Mikee, oops, Santee, they’ll take all our crap! That’s what it sounds like in the news…
On other subsequent visits, we also didn’t like the prospective homebuyers there. Economic segregation/discrimination is a great thing and being an older community, there is just too much lower priced housing stock in the area (not to mention the trailer park next to the 52) and the accompanying type of person there. That’s not everyone of course, but you get the idea.
I’m also curious how much you paid SRO if you don’t mind sharing a price range since when we compared prices back then, we felt there were much better values than Sky Ranch without the negative Santee (east county) stigma (however much there is).
As stated here, I think Crestview is now in the 500-550k range. I think some places in Del Sur offer that price point now (alleyway homes). There are new places in Carlsbad (smaller) there as well I think and with a 30 yr loan and a hundred or 2 more per month, I think most folks would spring for another location if possible. I think the new 4S homes start in the low 600s for one of the new developments.
That said, I just don’t think Sky Ranch is a great deal unless you HAVE to have some view (which we didn’t care for). In terms of housing resale value, it’s always better to be the least expensive house in your general area so you get lifted up by every other house than to be the 600-800k house in Santee when the avg home there is much much lower.
Hope this helps other prospective home shoppers.
ParticipantThis is my take on Sky Ranch and Santee in general. We visited all the new Santee communities (Riverwalk, Skyranch) back in mid – late 2008. Some of the plan 3 Stoney Creek Riverwalk places were going for 550k or so then? Sky ranch Crestview was listing for 655k or so back then? I agree that when you get inside your home in Skyranch, it’s nice and quiet, but getting there isn’t so nice IMO.
On our first visit, we didn’t notice the run down strip mall (on mission gorge?), apartments right outside Skyranch, but on a subsequent visit, we just didn’t like what we saw getting there. People hanging around street corners and there being a few apartment complexes right outside the slope and checking the sex offender website, a few sex offenders living there as well was a big negative for us.
Another thing I noticed is that they advertise no MR, but when we first visited and about a year later, the HOA actually went up. If someone has old notes from 2008, 2009 and now, the HOA back then was “only” about $150 or so I think.
You also don’t get much for your HOA fee we felt and they had to raise the fee to pay for the slope maintenance (useless IMO). When we looked back then, only 2 of the 12 or 13 Crestview homes sold telling us that they were already overpriced and HOA fees had to go up to cover the maintenance (and it did). Maybe it’s better now, but advertising no MR and raising HOA left a bad taste in our mouth.
Another thing I’ve noticed is that Santee seems to be the dumping ground for the rest of San Diego. There is a dump there and I think Santee just lost a San Diego vote to expand the dump site there since it’s owned by “San Diego”. They are also expanding the jail I think. No one else wants it, let’s give it to Mikee, oops, Santee, they’ll take all our crap! That’s what it sounds like in the news…
On other subsequent visits, we also didn’t like the prospective homebuyers there. Economic segregation/discrimination is a great thing and being an older community, there is just too much lower priced housing stock in the area (not to mention the trailer park next to the 52) and the accompanying type of person there. That’s not everyone of course, but you get the idea.
I’m also curious how much you paid SRO if you don’t mind sharing a price range since when we compared prices back then, we felt there were much better values than Sky Ranch without the negative Santee (east county) stigma (however much there is).
As stated here, I think Crestview is now in the 500-550k range. I think some places in Del Sur offer that price point now (alleyway homes). There are new places in Carlsbad (smaller) there as well I think and with a 30 yr loan and a hundred or 2 more per month, I think most folks would spring for another location if possible. I think the new 4S homes start in the low 600s for one of the new developments.
That said, I just don’t think Sky Ranch is a great deal unless you HAVE to have some view (which we didn’t care for). In terms of housing resale value, it’s always better to be the least expensive house in your general area so you get lifted up by every other house than to be the 600-800k house in Santee when the avg home there is much much lower.
Hope this helps other prospective home shoppers.
ParticipantThis is my take on Sky Ranch and Santee in general. We visited all the new Santee communities (Riverwalk, Skyranch) back in mid – late 2008. Some of the plan 3 Stoney Creek Riverwalk places were going for 550k or so then? Sky ranch Crestview was listing for 655k or so back then? I agree that when you get inside your home in Skyranch, it’s nice and quiet, but getting there isn’t so nice IMO.
On our first visit, we didn’t notice the run down strip mall (on mission gorge?), apartments right outside Skyranch, but on a subsequent visit, we just didn’t like what we saw getting there. People hanging around street corners and there being a few apartment complexes right outside the slope and checking the sex offender website, a few sex offenders living there as well was a big negative for us.
Another thing I noticed is that they advertise no MR, but when we first visited and about a year later, the HOA actually went up. If someone has old notes from 2008, 2009 and now, the HOA back then was “only” about $150 or so I think.
You also don’t get much for your HOA fee we felt and they had to raise the fee to pay for the slope maintenance (useless IMO). When we looked back then, only 2 of the 12 or 13 Crestview homes sold telling us that they were already overpriced and HOA fees had to go up to cover the maintenance (and it did). Maybe it’s better now, but advertising no MR and raising HOA left a bad taste in our mouth.
Another thing I’ve noticed is that Santee seems to be the dumping ground for the rest of San Diego. There is a dump there and I think Santee just lost a San Diego vote to expand the dump site there since it’s owned by “San Diego”. They are also expanding the jail I think. No one else wants it, let’s give it to Mikee, oops, Santee, they’ll take all our crap! That’s what it sounds like in the news…
On other subsequent visits, we also didn’t like the prospective homebuyers there. Economic segregation/discrimination is a great thing and being an older community, there is just too much lower priced housing stock in the area (not to mention the trailer park next to the 52) and the accompanying type of person there. That’s not everyone of course, but you get the idea.
I’m also curious how much you paid SRO if you don’t mind sharing a price range since when we compared prices back then, we felt there were much better values than Sky Ranch without the negative Santee (east county) stigma (however much there is).
As stated here, I think Crestview is now in the 500-550k range. I think some places in Del Sur offer that price point now (alleyway homes). There are new places in Carlsbad (smaller) there as well I think and with a 30 yr loan and a hundred or 2 more per month, I think most folks would spring for another location if possible. I think the new 4S homes start in the low 600s for one of the new developments.
That said, I just don’t think Sky Ranch is a great deal unless you HAVE to have some view (which we didn’t care for). In terms of housing resale value, it’s always better to be the least expensive house in your general area so you get lifted up by every other house than to be the 600-800k house in Santee when the avg home there is much much lower.
Hope this helps other prospective home shoppers.
ParticipantThis is my take on Sky Ranch and Santee in general. We visited all the new Santee communities (Riverwalk, Skyranch) back in mid – late 2008. Some of the plan 3 Stoney Creek Riverwalk places were going for 550k or so then? Sky ranch Crestview was listing for 655k or so back then? I agree that when you get inside your home in Skyranch, it’s nice and quiet, but getting there isn’t so nice IMO.
On our first visit, we didn’t notice the run down strip mall (on mission gorge?), apartments right outside Skyranch, but on a subsequent visit, we just didn’t like what we saw getting there. People hanging around street corners and there being a few apartment complexes right outside the slope and checking the sex offender website, a few sex offenders living there as well was a big negative for us.
Another thing I noticed is that they advertise no MR, but when we first visited and about a year later, the HOA actually went up. If someone has old notes from 2008, 2009 and now, the HOA back then was “only” about $150 or so I think.
You also don’t get much for your HOA fee we felt and they had to raise the fee to pay for the slope maintenance (useless IMO). When we looked back then, only 2 of the 12 or 13 Crestview homes sold telling us that they were already overpriced and HOA fees had to go up to cover the maintenance (and it did). Maybe it’s better now, but advertising no MR and raising HOA left a bad taste in our mouth.
Another thing I’ve noticed is that Santee seems to be the dumping ground for the rest of San Diego. There is a dump there and I think Santee just lost a San Diego vote to expand the dump site there since it’s owned by “San Diego”. They are also expanding the jail I think. No one else wants it, let’s give it to Mikee, oops, Santee, they’ll take all our crap! That’s what it sounds like in the news…
On other subsequent visits, we also didn’t like the prospective homebuyers there. Economic segregation/discrimination is a great thing and being an older community, there is just too much lower priced housing stock in the area (not to mention the trailer park next to the 52) and the accompanying type of person there. That’s not everyone of course, but you get the idea.
I’m also curious how much you paid SRO if you don’t mind sharing a price range since when we compared prices back then, we felt there were much better values than Sky Ranch without the negative Santee (east county) stigma (however much there is).
As stated here, I think Crestview is now in the 500-550k range. I think some places in Del Sur offer that price point now (alleyway homes). There are new places in Carlsbad (smaller) there as well I think and with a 30 yr loan and a hundred or 2 more per month, I think most folks would spring for another location if possible. I think the new 4S homes start in the low 600s for one of the new developments.
That said, I just don’t think Sky Ranch is a great deal unless you HAVE to have some view (which we didn’t care for). In terms of housing resale value, it’s always better to be the least expensive house in your general area so you get lifted up by every other house than to be the 600-800k house in Santee when the avg home there is much much lower.
Hope this helps other prospective home shoppers.
ParticipantThis is my take on Sky Ranch and Santee in general. We visited all the new Santee communities (Riverwalk, Skyranch) back in mid – late 2008. Some of the plan 3 Stoney Creek Riverwalk places were going for 550k or so then? Sky ranch Crestview was listing for 655k or so back then? I agree that when you get inside your home in Skyranch, it’s nice and quiet, but getting there isn’t so nice IMO.
On our first visit, we didn’t notice the run down strip mall (on mission gorge?), apartments right outside Skyranch, but on a subsequent visit, we just didn’t like what we saw getting there. People hanging around street corners and there being a few apartment complexes right outside the slope and checking the sex offender website, a few sex offenders living there as well was a big negative for us.
Another thing I noticed is that they advertise no MR, but when we first visited and about a year later, the HOA actually went up. If someone has old notes from 2008, 2009 and now, the HOA back then was “only” about $150 or so I think.
You also don’t get much for your HOA fee we felt and they had to raise the fee to pay for the slope maintenance (useless IMO). When we looked back then, only 2 of the 12 or 13 Crestview homes sold telling us that they were already overpriced and HOA fees had to go up to cover the maintenance (and it did). Maybe it’s better now, but advertising no MR and raising HOA left a bad taste in our mouth.
Another thing I’ve noticed is that Santee seems to be the dumping ground for the rest of San Diego. There is a dump there and I think Santee just lost a San Diego vote to expand the dump site there since it’s owned by “San Diego”. They are also expanding the jail I think. No one else wants it, let’s give it to Mikee, oops, Santee, they’ll take all our crap! That’s what it sounds like in the news…
On other subsequent visits, we also didn’t like the prospective homebuyers there. Economic segregation/discrimination is a great thing and being an older community, there is just too much lower priced housing stock in the area (not to mention the trailer park next to the 52) and the accompanying type of person there. That’s not everyone of course, but you get the idea.
I’m also curious how much you paid SRO if you don’t mind sharing a price range since when we compared prices back then, we felt there were much better values than Sky Ranch without the negative Santee (east county) stigma (however much there is).
As stated here, I think Crestview is now in the 500-550k range. I think some places in Del Sur offer that price point now (alleyway homes). There are new places in Carlsbad (smaller) there as well I think and with a 30 yr loan and a hundred or 2 more per month, I think most folks would spring for another location if possible. I think the new 4S homes start in the low 600s for one of the new developments.
That said, I just don’t think Sky Ranch is a great deal unless you HAVE to have some view (which we didn’t care for). In terms of housing resale value, it’s always better to be the least expensive house in your general area so you get lifted up by every other house than to be the 600-800k house in Santee when the avg home there is much much lower.
Hope this helps other prospective home shoppers.
ParticipantAN, I’m sure your calcs are correct. Social security is a major factor as well and if you have 50k in SS income, then a Roth ira/401k may make more sense as well.
In summary, it really depends on your situation. The main thought I hope to present is that don’t go blindly into Roth IRA or Roth 401k (I was very biased myself). Another thing to consider is that the government probably loves the Roth 401k and the Roth conversions since they get their tax dollars now (the future is someone else’s problem).
For myself, working non-stop for about 13 years, and recently having job changes, new businesses, it just seems more likely most folks will have at least some breaks in employment due to layoffs, disability, new babies, starting a new business, etc…
It makes sense to convert your IRA to a Roth anytime you have low income of if you are lucky enough to retire at 59.5, do it every year starting then.
I have a friend who worked for about 13 years in tech straight and is now taking time off and it would be a perfect time to do some conversions.
ParticipantAN, I’m sure your calcs are correct. Social security is a major factor as well and if you have 50k in SS income, then a Roth ira/401k may make more sense as well.
In summary, it really depends on your situation. The main thought I hope to present is that don’t go blindly into Roth IRA or Roth 401k (I was very biased myself). Another thing to consider is that the government probably loves the Roth 401k and the Roth conversions since they get their tax dollars now (the future is someone else’s problem).
For myself, working non-stop for about 13 years, and recently having job changes, new businesses, it just seems more likely most folks will have at least some breaks in employment due to layoffs, disability, new babies, starting a new business, etc…
It makes sense to convert your IRA to a Roth anytime you have low income of if you are lucky enough to retire at 59.5, do it every year starting then.
I have a friend who worked for about 13 years in tech straight and is now taking time off and it would be a perfect time to do some conversions.
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