No. of Recommendations: 1
Having over-saved in traditional retirement accounts relative to the other types
I'm all for tax efficiency, but I learned the hard way that it's sometimes better to pay a little tax now to avoid a bigger set of total costs (including taxes) later.

I would urge you to take advantage of the new, temporarily (at least per current law) lower rates to do conversions of your traditional accounts to Roth accounts. You have through 2025, and assuming most of the contributions were made at a 25% or greater rate, will be paying at least 1% less than you saved at the time you made the contribution.

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