“Why pay taxes now? Rates are low. Just wait.” That thinking will destroy retirements.

People see the new GOP tax law and think: “Why pay taxes now? Rates are low. Just wait.”

That thinking will destroy retirements.

Because these tax brackets expire in 2028.

And history says tax rates rarely go down. They go up.

So if you wait until after 2028, every conversion costs more. Every withdrawal bleeds more.

Roth conversions let you lock in today’s lower rates and protect all future withdrawals from hikes.

And with no required minimum distributions, you control when and how you take money out.

The new law is not a reason to wait.

It is the biggest reason to act now.