Subject: Re: Million to Billion
<<IP: Given the much higher amount of income one can have in the 24% bracket through 2025, we started doing Roth conversions up through the 24% tax bracket. Seemed to be a no brainer.>>

Ah, got it. With those numbers, I can see it.

My IRA/401k's were well into the conservative side, where the gains were not as robust. Safe and good, but not as robust. So the impacts of the RMD's are now less.

I bifurcated my overall planning into the 'safe and secure' IRA side, and the outside, where I intentionally took a roll of the dice and a lot more risk, and was 'lucky' with the outcomes.

It's worked here, so far!

Thanks for taking time to comment; looking forward to more from your corner of the globe.