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Spitballing Retirement Planning in Your 40's & 50's - 397

Your Money, Your Wealth

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Should We Do Roth Conversions if the Markets Are Down?

The tax rates are lower now than they will be in 2026, so it's doubly a good idea. You're converting more shares of stock because those shares are worthless. If you believe the market is going to go up 10% in a relatively short period of time, then you might even want to convert past the 24% bracket all the way to the 32%. The problem is it's impossible to market time. It's such a tricky strategy that makes that whole strategy impossible.

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