Subject: Re: 401k
Does this work?

No conversion (10% cap gains tax in taxable)
Start End Tax Total
IRA $10,000 $20,000 $4,800 $15,200
Taxable $2,400 $4,800 $480 $4,320
Total $12,400 $5,280 $19,520

Convert
Start End Tax Total
IRA $10,000 $20,000 $- $20,000
Taxable $2,400 $- $2,400
Total $12,400 $2,400 $20,000