Post #236 by hedgehog444 on the Retirement Investing board

If someone appears to be repeatedly personal, lean towards patience as they might not mean offense. If you are sure, however, then do not deepen the problem by being negative; instead, simply place them on ignore by clicking the unhappy yellow face to the right of their name.

- Manlobbi

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Sure, your pre-tax net worth would be higher at year 10.

This is why I post here.
You are right, I was combining pre-tax and post-tax funds. When I take a more sophisticated approach to the sum it does look like a wash (assuming the same marginal tax rate). If marginal tax rates go up or the RMD forces me into a higher marginal tax bracket then the conversion really makes sense. And the IRMAA penalty just compounds the problem.

Thank you BHM and AC for correcting my thinking.

Rgds,
HH/Sean

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