我去年做过

We converted about 90K each for my wife and me to Roth IRA.  It's a good idea to do this when you current tax rate would be lower than your future tax rate, and a good time to do this now when the stock market is generally down. You have to use pro rata rules to figure out your basis - the part you won't be taxed.  

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• 太好了！谢谢你的经验和看法。看来我并不是在空想，希望我能闭门造车，出门合辙。 -守月- ♀ (0 bytes) () 03/21/2023 postreply 04:34:09