Roth conversions save millions in taxes for the people who do them right.
But two mistakes destroy the benefit.
Mistake one: doing nothing.
You keep money in a traditional IRA and tell yourself you will deal with taxes later.
Later arrives, and the IRS takes more than you imagined.
Mistake two: over-converting.
Trying to jam everything into a Roth at once.
You pay so much upfront that you would have been better off doing nothing.
The Roth game is not “all or nothing.”
It is “how much, over how many years, at what tax bracket.”
It is about using charitable donations, deductions, and timing to create the sweet spot.
The right plan saves you taxes for decades.
The wrong plan burns your wallet today and tomorrow.
