Thinking of converting your 401k to a Roth IRA? Be careful.

Thinking of converting your 401k to a Roth IRA?
Be careful.

Yes, you pay taxes now on the full amount.
Yes, tax rates matter.
But that is not the full picture.

The real threat is not future tax rates.
It is future required minimum distributions.

Those RMDs can wreck your retirement cash flow
and shove you into higher tax brackets later anyway.

So do not get stuck on simple math.
Run the real numbers.
See the full cost.

One dimensional logic sounds smart.
But it misses the point.