I agree with you. Since I've retired I have discovered that it's almost trivially easy to stay in a low tax bracket. The ability to choose where your money comes from gives you a lot more flexibility than if it's from W-2 income. In fact, my retired parents currently pay $0 in federal income tax so the taxes they paid to convert to a Roth was totally wasted.Personally, I expect to withdraw from my traditional IRA for several years before I start taking social security while paying between 10-12% in federal income taxes using the current brackets. That's about 1/3rd the rate I'd pay today to convert.YMMV, but there seems to be this opinion that married retirees will magically have an $80k+ income that will pop them into the 25% tax bracket despite pensions being few and far between.-murray
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