68 • RU BY, WILD ING & SWANSBURG ti nhsatte aadd, dIi t iwo on ua ll d i ns cpor me aed—osuotmtehteh i wn gi t hId rwa wa natl s t oo v earv osiedv. e Sr aol ys teaayr sw. iCt oh ni nc emp yt ucaul lryr, e bnyt tt aa xk ibnrga cs kmeat l, l Ie' rd apma yo ua nr ot su no dv e$r1t7i m5 , 0e 0t 0o in taxes to convert my IRA to a Roth IRA. When I compared keeping these funds in my IRA to ct ho ensvee rotpi nt igo nt hs e cs ae r frui endd st ht eo pa oRsos ti bh i lIiRt yA ,oIf snaewv etrh ahta vo innl gy ot on ep aoyf taxes on my funds again, for both myself and my heirs. w a s Wl i khee dn r Ii vci no gn sdi do we rne da mh i gy hpwoat ey nwt iiat lh ttawx oe se xi ni t sr.eOt inr eomneenetx, iitt, Id epsat iyn aat i o$n1 7w5i,t0h0o0u tt op lal y irni gghat n ny oawd dai tni odn at hl et onl l sc .a On ngteht e toot hme ry e $ xit, I stop at tollbooth after tollbooth until I’ve paid 584 ,000 to get to my destination. Mandatory vs. Optional oWuhtialet mloeo. king at the preceding graphic, something jumped Assuming my taxes stay the same or go up, a Roth cI Ro An v ae cr cs oi ounn rt :e pArfet es er nmt syt hceo lnevaesrt sai mo no, unnot omf toarxe I twa xi lel sp aayr eo nd mu ey, at hs isnukmoi nf gt hIi sa ab si dteh eb ymtahned da ti sotrryi baumt ioounnrt uol ef st aoxfe tshIeoRwoet ht hIeR AI R. SI in this account. m a nBd ua tto, rmy ya mporuonj etc. tAendd ,t at hxee sd iaf freer emn cuec hi s ohpi gt ihoenra lt ht aaxne st hI ’ amt cthhiosoasninaglystois, pIa’my, bparsoejdectoend htoowpaI ysa$ve going forward. In 409,000 in optional tmaxaeinsta(inabmovyeIRaAn. d beyond the mandatory amount) if I
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