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URL:  http://boards.fool.com/editorialwe-difficult-to-advise-without-more-12685134.aspx

Subject:  Re: Still don't know whether to convert to Roth Date:  6/5/2000  5:08 PM
Author:  jacknsally Number:  22386 of 75649

EditorialWe. Difficult to advise without more info. As a rule of thumb, I consider Roth's to make most sense if you have at least 10 yrs before you'll need the money. Also once your original $ triples, you're ahead on an after tax basis of a regular IRA. Plus since you're currently in the lowest tax bracket now, you could be avoiding a future withdrawal in a higher, more costly tax bracket. There's not a 10% penalty in converting which is another plus on your path to a healthy future of tax free earnings.
good luck, jb
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