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Greetings, JimTitus, and welcome.

<<... once in awhile, it turns out that a loophole leaves people with more tax savings than the act contemplated, and they might change the rules. Depreciation recapture comes to mind. But tax laws would lose their effectiveness at shaping social policy if people thought that Congress would rescind tax benefits granted to people who do what the Congress had intended.

A more likely scenario is the indirect repeal of the benefits of Roth conversion. For example, if the income tax is repealed before you retire, or if rates are reduced drastically, then you will lose some or all of the benefits of Roth conversion, and it will be too late to recoup the costs.>>

Good post. And IMHO much closer to what may happen than anything else I've seen posted on this issue.

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