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If you remain in the same tax bracket (convert now vs. when you withdraw from the Roth), then mathematically it makes no difference if you convert or not. The after-tax value is the same.

Where will your income come from that will put you into that tax bracket?

If, like me, it's from IRA withdrawals and we keep our current tiered tax system, then I think you will pay less in taxes with a traditional IRA even though you are in the "same tax bracket".

-murray
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