What worked in the 1970s is a trap today.
Back then, deferring taxes made sense. Life spans were shorter, balances smaller.
Now IRA millionaires sit on millions in pretax accounts.
The result?
RMDs that force income you do not need.
Tax brackets you never planned for.
Medicare costs you should not be paying.
The game has changed.
Without Roth conversions, the IRS is not just a partner.
It is the winner.
