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There is another factor that rarely gets considered, and that's the favorable tax treatment a Roth IRA gets, compared to a traditional IRA, for your heirs. This is a harder-to-assess aspect than simply running the numbers periodically on the tax effect for you, but it's worth considering, and it might be worth a bit of tax penalty incurred now.

i agree that's important to consider when retired/older ..

it's large part of why i'm doing partial conversions (and willing to pay a few hundred in taxes)

OP is pretty young though much harder to calculate the value.
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