After this is done can I take some MORE money from within the IRA, pay the tax on that money and then move THAT money directly from the iRA to the Roth?Why would I consider doing this? Because I expect taxes to go up in the future.You can, of course, move stuff, subject to the law, from an IRA to a Roth-IRA for other reasons too. If you reduce the amount in your IRA, you reduce the size of future RMDs. In the right situation, you may prefer to do that. You do not have to roll over the entire IRA into the Roth-IRA at once. My strategy is to roll over as much as I can afford to pay taxes on, and not enough to move into a higher tax bracket.Of course, we never know what the clowns in Congress will do. They may make withdrawals from Roth IRAs taxible. They may require IRAs and Roth IRAs to contain 30% or more in treasury bonds. we will never know.
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