Don't Convert All 60 Thousand Dollars Into a Roth

You don't have to convert all 60 thousand either. Do some small chunks over the next several years, because you're still pretty young. Most individuals have all o their savings in a four win k plan. They have very little control over their taxes Because it's all taxed at ordinary income rates. The whole idea of tax diversification is for you to be able to control your distributions when you pull the money out and keep yourself in lowest tax bracket possible.