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-13X amount of dollars free and clear at retirement

This I am not seeing. Let's say you roll over your 401k each year into a TIRA. You will not be making a $40k contribution to your Roth. You will be making a $28k contribution after (for arguments sake) paying 30% in taxes when you convert your TIRA into a Roth. Now if you are extremely confident that your income in retirement will be so great as to bump you into a higher tax bracket, then you may be better off converting to the Roth. But that is not statistically likely.

Who does not know if it is legal either, but kind of thinks it will get you audited if nothing else...
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