Yes, I plan to do this regularly since I’m trying to retire early.
Edited by Carl Spackler on June 24, 2026, 7:58:11
I assume the video talks about converting a bunch of money while your income is low before social security and RMDs kick in? I’ll read up on it more, but have to figure out how to do that while also taking capital gains at the 0% rate. Might take some finessing but I’m hoping to have a ton of years before hitting SS/RMDs so if I’ve got 20 years, might be able to get all capital gains at 0% and only pay 12% tax on my rollovers.  Previous Message
regular conversions right after retiring? This video got me thinking about it a few months ago....
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Message Thread | This response ↓
 It is not healthy how much I’m thinking about retirement - DT June 23, 2026, 7:49:55
- LAM having a 1) self employed 401k limit and 2) available 401k Roth is - gvibes June 24, 2026, 21:00:36
- Trying to move up the date by selling LBK on all the things I'll do as her personal valet... - KingTalkyTiki June 24, 2026, 14:08:13
- I've never been eligible for Roth IRAs (LAM!) and can't do mega backdoor Roths. Anybody look into - ATL June 24, 2026, 7:31:06
- I’m on the 65-67 trajectory. 3 kids going to college soon is expensive. We also made a conscious - voiceofreason June 24, 2026, 7:27:20
- I’m with you VoR, though hopefully on closer to the 62-65 timeline than the 65-67 one. - DocWalk20 June 24, 2026, 13:54:23
- Yeah—it’s all a balance, and the goal is to have the happiest and most fulfilling life - DT June 24, 2026, 8:06:38
- As Ive said previously, my kids’ college set me back $500,000* - Stu June 24, 2026, 8:02:07
- Same. I can retire at 55 so I have 3 years. I will have to do something part time - Tbag June 23, 2026, 14:00:19
- same. i play out several scenarios far too frequently vs what is realistic with the ages of my kids - lcubed June 23, 2026, 11:59:19
- I am mostly just fixated on the fact that like half my net worth is in real estate. - gvibes June 23, 2026, 11:49:29
- Thinking about it stresses me out way too much. - OB25 June 23, 2026, 11:44:31
- I just put in my 4 year retirement notice to my school, so my clock is ticking. Met w/my financial - OWWDig June 23, 2026, 11:43:18
- I've just been thinking about where to live once we retire - ISeeDeadHawkeyes June 23, 2026, 11:21:04
- There are days where I feel like i'm way ahead of target and peers by age 40 - John Coctostan June 23, 2026, 10:40:58
- It’s very healthy how much we’re enjoying retirement* - TarheelIllini June 23, 2026, 10:17:29
- Been reading up on Bogleheads and FIRE (and derivatives) - Dilbert June 23, 2026, 10:16:15
- I love what I do, so I'd probably be doing it in retirement without pay -- so why retire?* - Quiz June 23, 2026, 10:09:29
- Some random stuff I learned that may help people here - Carl Spackler June 23, 2026, 9:47:06
- Late night, come home, work sucks, I know* - Sounder June 23, 2026, 9:41:52
- I think about it all day every day* - Stu June 23, 2026, 8:57:43
- ADIDAR* - Sammich June 23, 2026, 9:25:17
- I'm trying to not allow myself to do that. - EffinIllini June 23, 2026, 8:33:13
- I put everything into SPCX, so I'm sure i'll be able to retire soon. I haven't checked it lately, - doubledown June 23, 2026, 8:32:13
- 30 minutes doing that is much healthier than 30 minutes of doomscrolling. * - ghost_of_clt June 23, 2026, 8:32:09
- It is not healthy how much I’m thinking about a life of crime. - Sammich June 23, 2026, 8:16:35
- I feel you. I have about the same amount of time left and think about it every day. - PapaDels June 23, 2026, 8:14:57
- same, but I've got 20+ years to go - IlliniSax05 June 23, 2026, 8:07:07
- I'm in the same boat but a few years further off. - Carl Spackler June 23, 2026, 7:52:55
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on June 24, 2026, 7:55:19, in reply to "I've never been eligible for Roth IRAs (LAM!) and can't do mega backdoor Roths. Anybody look into"