I am 43 with tax free income of about 60K a year due to disability. I am in graduate school in order to go back to work in a non physical job. I will be making about 100K a year with my new job (in about a year and a half from now). When I retire at normal retirement age, I will again have the tax free income. Does it make any sense for me to convert my IRA with 90K in it to a Roth? I am currently living on the tax free free income and have loans for school. I would certainly convert enough to create a tax liability equal to the education credit you qualify for. That's found money in retirement. (For 2010, make sure you elect to have the entire amount included in 2010 income when you file your 2010 return.)PhilRule Your Retirement Home Fool
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