Tax Playbook · Big life moves
Roth conversions in low-income years
In a year your income is low — a gap year, early retirement — move money from your pre-tax retirement account into a Roth and pay tax now at a low rate (say 12%) instead of later at 24%+. You can't undo it, and the extra income can affect things like Medicare premiums and health-insurance subsidies, so plan carefully.
Good for: Early retirees, sabbaticals, and low-income years.
Learn the basics
Recent articles & guides
- SDO CPA — Roth conversion strategies
- Kiplinger — Roth conversion windows of opportunity
- Schwab — timing a Roth IRA conversion to manage taxes
On this site
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Educational summary, not tax advice. Limits and rules change — confirm current law with your tax adviser.