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<<Ray said, re: converting a regular IRA to a Roth:

>>>It's starting to look like this isn't a good idea for most people.<<<

I'd be careful about the way you word these things, especially if the only basis for your opinion is that you think Congress will change the laws in the future to adversely affect the Roths.

Certainly the question of whether to convert is a very complicated one, and one that requires much research on the part of the individual. On that we agree. But I don't think "It's starting to look like this isn't a good idea for most people." >>

I agree. It's a bit of a stretch. Many will find the Roth inappropriate, many will find it advantageous, and many will find it neutral. I don't think a majority of "most" will fit in any category.

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