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@justian You’re not thinking of it right. If you have $10,000 now and it will grow 10x over the next 50 years… You convert to Roth and pay taxes. Let’s say 22%. Then you have $7,800 that can grow to $78,000 with no more taxes. You leave it alone. $10,000 grows to $100,000, but you have to pay...

@justian You may want to reverse rollover into a 401k if you’re concerned about backdoor Roth IRA. Otherwise you have no information about why you would convert, but it’s usually a mistake. Converting now and paying taxes means losing the money to taxes there would otherwise also have 50 years...