Would You Give Up the Tax Credit to Build Tax Free Money?

Nick Gillespie: Nick is saving hypothetically $45,000 into retirement accounts. He's also getting an additional $10,000 of income from the government as a refundable credit. So essentially he's getting another match from the IRS of 10 grand. But if you start putting more of your money into the Roth, you're going to be over that earned income. And, and your effective rate for doing the Roth conversion will be like 100% or more.