ACN allows converting trad 401k (e.g., match) funds to a Roth 401k. Rather than waiting for a conversion ladder when I’m 40, I was thinking that a 25%ish market drop is a good time to run a bulk conversion now, as the drop is > taxes. How would you think about target %?

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What tax bracket are you in? I would not convert now unless you would expect to be in a higher bracket when you would withdraw the funds.

I would be happy if you show me where I am missing anything. I think the examples I gave show that you are better even at much lower balances. I think you are mistaken but at the end of the day you probably won’t be upset having Roth later.

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