<<I'd be careful about the way you word these things,>>Yes, well, I worded it to say _exactly_ what I meant. << especially if the only basis for your opinion is that you think Congress will change the laws in the future to adversely affect the Roths.>>LOL! The possibility that Congress won't change the tax laws significantly over the next few decades is about the same as the possibility that the Sun won't continue to rise in the east. You might want to take a look at what they did with ordinary IRAs a dozen years ago, when they made them non-deductible for most people. Look at the record.Anyway, that's not my only basis.<<Certainly the question of whether to convert is a very complicated one, and one that requires much research on the part of the individual. On that we agree.>>Well, I wouldn't say "much", but certainly "some". All the complete analyses that I have seen have basically shown that the NET effect of paying taxes now vs. later is nil (for all but extraordinary circumstances).<< But I don't think "It's starting to look like this isn't a good idea for most people.">>Ok, we differ here.Regards,Ray
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