Ingrid,<<Everything I've seen says that you should convert if your income will be higher after retirement. That makes sense, but it doesn't seem to say enough.I am 25, so I'm in pretty much the same situation as the original poster. My understanding is that Roth-IRAs grow tax free, but regular IRAs grow tax deferred, and the original contributions are taxed now for Roth-IRA and non-deductible regular IRA, later for regular deductible. So, in addition to being better if you'll be taxed more during retirement than you are now, Roth-IRA beats non-deductible IRA hands-down, and it beats deductible IRA if the income on the IRA is going to be significant compared to the contributions (= long time until retirement).But I haven't seen anyone explain things in this way, so I'm concerned that I'm missing something.>>See the posts of 2/1/98 in this folder, subject "Roth Contributions and Conversions." They will help somewhat to explain things. The decisions are not "no brainers" in this area.Regards……Pixy
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