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Scratch that... I think?? It's 1AM - I get some slack cut for me right!?

It's only 11PM here on the left wing - I mean coast. My brain hasn't entirely checked out yet.

I looked at my reply, and then I thought, there's no age limit for a Roth conversion, is there? For some reason I was thinking that you couldn't convert once you hit age 70 but now I don't think that's right... Maybe what I'm thinking is that if you need to take a required minimum distribution from the traditional IRA and you haven't yet taken it, you should take it before you convert so you don't get hit with a penalty for not taking it. Could that be why the age thing is stuck in my head?

Not only should you take the RMD, you MUST take it before converting to a Roth. That means that the amount that goes into the Roth is reduced by the RMD for the year.

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