No. of Recommendations: 3
I’ll give you the one good idea she had for free. If we retire early don’t take SS or withdraw from retirement. Have zero income and use those years to migrate from pre tax to Roth. Like if you have enough to live on for a few years.

Gosh, where have I heard that before? Seems to me like if you've been reading this board, you just wasted some of your time to get free advice that you already would have read here, for free.

I will say that there are lots of people on this board who argue against doing Roth conversions, but I've been suggesting that retirees use the time between when they retire and when RMDs are required to do Roth conversions for several years now.

I will disagree with her assertion about striving for 'zero' income other than the conversions. Even if you have enough in taxable accounts to not have to withdraw from retirement accounts, there will likely be some capital gains, dividends and/or interest thrown off by those assets, so having 'zero' income is probably not going to happen.

AJ
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