68 • RU BY, WILD ING & SWANSBURG ti nh satte aadd, dIi t wi o onua ll d i ns pc or emaed—osuotmt ehteh iwn gi t hId rwa wa natl s toov earv os iedv. e rSaol 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$r1t7i m5 , 0e 0t 0o in taxes to convert my IRA to a Roth IRA. When I compared keeping these funds in my IRA to ct ho ensvee rotpi nt igo nt hs ecs ae r frui endd st ht eo pa oRs os it bh i lIiRt yA ,o If snaewv etrh ah ta vo innl gy toon ep aoyf taxes on my funds again, for both myself and my heirs. w a s Wl i khee dn r Ii vci no gn sdi do we rne da mh i gy hpwoat ey nwt iiat lh ttawx oe se xi ni t sr.eOt inr eomneenetx, iitt, Id epsat iyn aat i o$ n1 7w5i, t0h0o0u tt oplal yri ni ggh at nnyoawd dai tni do ntahl et no l lcsa. nO ng et ht et oo t hmeyr e $ x 4 it, I stop at tollbooth after tollbooth until I’ve paid 15 ,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. c m h a o n o B d s . I h ’ I m a n t this analysis, I’m projected to pay $ 240 ,000 in optional tmaxaeinsta(inabmovyeIRaAn. d beyond the mandatory amount) if I u a in t t o , g r m y to y a m p p a o r y u o , n je b t c . a t A s e e n d d d , t o a th n x e e s h d o i a f w f r e e r I e m n s c a u e v c e h is g o h o p i i g t n i h g o e n r f a o l t r h t w a a x a n e r d s t
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