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Author: Rayvt Big gold star, 5000 posts Top Favorite Fools Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 77392  
Subject: Re: considerations in converting to roth Date: 11/28/2009 10:26 AM
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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".

I don't know (where the income would come from).

But every time I read an article about converting, they *always* say that you might be in a higher tax bracket. I think maybe this is just a way to either add drama or to tilt the argument toward their desired position (which is usually to convert).

I agree with you. Since I've retired I have discovered that it's almost trivially easy to stay in a low tax bracket. The ability to choose where your money comes from gives you a lot more flexibility than if it's from W-2 income.
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