No. of Recommendations: 0 he says, switching to a Roth is a no brainer, what with all contributions now non-deductible.

Great, I say, but where is the money to be saved/made?
See, by changing to a Roth now I'll owe about 19K. By leaving it alone the calculations say its close to a wash at retirement.

But the real question is not should I switch but: Do I start the new year by beginning a new Roth or continue contributing my 2K early January in the regular NON-deductible?

Let me see if I understand myself:
70K in regular IRA
19K to switch to ROTH

6 years to the Golden Rest Home;
12K total contributions in one only
(Jan each year)
18% anticipated CAGR in either choice

I guess I shoud go find some calculator that lets me see the best answer, but I got to be sure of the questions first.

Maybe my problem is I"M the no-brainer...

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