Subject: Re: 401k
The only financial benefit that comes in is if your marginal tax rate NOW is lower than it will be in the future. Which is not often the case.

But for the OP and myself, maybe it will be. At age 70.5 we have to take SS. The OP and myself have said we are retired (but still too young for Medicare or SS). Let's just use arbitrary round numbers and say $2500 per month. That's $30K per year. If you pile RMDs onto that, depending on the size of the retirement accounts, that could amount to A LOT. Wouldn't it make sense to realize some of that IRA money now, and stick it in a ROTH, thereby evening out the tax load? Otherwise at age 75 (if I live that long), I'll probably end up in a new tax bracket. I'd rather avoid that if I could.