[Bill]

It has nothing to do with age. You want to convert when your tax bracket is lower.

For most people on a FI path, that would be the years between retirement and SS and RMDs.

Your circumstances may vary- eg pensions, rental income etc

[Cody]

It usually makes sense to prioritize Roth conversions in early retirement, not before. Or at least in lower-income years.

The correct answer is “it depends.”

[Rick]

Yes but it’s probably not an either or but a both thing. At a young age and again after leaving work.

For those who found fire early enough to do what you describe.

[Author]

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