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tax-wise, legal-wise, or investment-wise ..

• i re-fi'd the house this and took out cash to do *some* improvements

• one of the improvements was new windows ,for which there's an energy credit (and new furnace which missed the credit by this much >..<)

• but that's a tax credit and since i'm living off SS and investments (from taxable account, no withdrawal from IRA), my taxes are near to Zero

so ..i'm thinking i can convert move IRA to Roth -- saves some RMD and taxes several years down the road.

only danger i can see -- i have to make the move before year end and so have to estimate TurboTax inputs before the end of the year


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