I will not tap into my IRA funds for at least another 15 years.Why not? Your marginal federal tax rate is likely pretty low from what you say. Instead of living off what I assume are taxable investment income, why not take money out of your IRAs up to the 25% tax bracket?I would do this in a controlled amount each year in order to minimize the effective tax rate I would be subject to in each year of conversion.You should consider the marginal rate that you pay on the amount you convert, not the effective rate. IOW, if you convert $10k, would you pay $1000, $1500, $2500, etc.In general, it sounds like a good idea. I would keep an eye on the taxes you pay and try to keep those no higher than 25%, lower than that if you can.-murray
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