Most people mess up Roth conversions.
Not because they’re dumb.
But because they’re guessing.
Some do nothing,
and eat the tax bomb later.
Some overconvert,
and prepay more tax than they ever needed to.
Some underconvert,
and still get crushed when RMDs kick in.
Roth strategy is not about conversion.
It’s about precision.
Ask the right questions.
How much.
How often.
What offsets can reduce the load.
A good plan saves you.
A bad one bleeds you.
