if OP's really fully on tax-free income, wouldn't it make sense to convert up to 0% bracket?I'm not sure what you mean. There is no zero bracket nowadays d'oh ...it feels like there's zero because of personal exemption...but that might not apply?i was thinking regardless of education expenses.. add the standard deduction amount and the personal exemption amount. The total is the amount to convert from traditional to Roth which would result in zero Federal tax.
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