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The gist of my post was that by converting IRA money to Roth prior to taking SS can save taxes on that social security. Plus, if you're in the same tax bracket before and after, it could be a nice upside with no downside, but you need to model it to see if it applies.

Running your numbers, challenging your assumptions and making an informed decision are always a good idea. We had always assumed we would be in a lower tax bracket in retirement and were stunned to see that was unlikely to be the case. Small regular contributions into investments over a long period of time is a powerful tool towards future income. I always knew that theoretically, but it is impressive how strong a tool it is.

again urging everyone to run their numbers and be aware
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