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I'm 32 years old and have just over $30,000 in a traditional IRA. I have been making steady annual contributions of $2,000 for the last 8 years or so and I intend to continue. Lately, I've been considering the change to a Roth IRA.

Currently, I'm taking the year off of work to pursue some other interests and work on my home. Since my income this year will only be capital gains and I'll most likely be in the 15% tax bracket, is it a good time to move to the Roth because of my lower tax bracket this year?

Also, is there a real benefit to someone like me to change to the Roth IRA now? I've always enjoyed the tax deductible contributions of my IRA and realize I won't be getting those with the Roth. However, I do know that my withdrawals will be tax-free at retirement. Is there a calculator available where I can punch these numbers in and make the comparison?

Thanks a lot,
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