Convert $43,000 annually at 12% tax rate to avoid 22-24% RMD taxes later, shifting $344,000 over 8 years for $41,000 cumulative cost. Project gross income line by line, execute conversion in ...

married couple, both 66, sitting on $1.5 million in a traditional 401(k), Social Security deferred, and roughly $10,800 of other taxable income from a part-time consulting gig and a slice of interest.