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How Much Can a 62-Year-Old Couple With $2.3 Million in Their 401(k) Save With Roth Conversions?
Key takeaways
- How Much Can a 62-Year-Old Couple With $2.3 Million in Their 401(k) Save With Roth Conversions?
- The couple has roughly $150,000 of annual conversion room, which is enough to shift between $1 million and $1.2 million out of their 401(k) over a decade before RMDs hit at 75.
- Clopine warns that annual spending is the critical unknown.
How Much Can a 62-Year-Old Couple With $2.3 Million in Their 401(k) Save With Roth Conversions? Danielle Liverance Sat, June 20, 2026 at 10:13 PM GMT+7 5 min read Quick Read Al Clopine recommends filling the 22% bracket by default, but converting into the 24% bracket during market drops of 15 to 20 percent in order to maximize tax-free recovery growth.
The couple has roughly $150,000 of annual conversion room, which is enough to shift between $1 million and $1.2 million out of their 401(k) over a decade before RMDs hit at 75.
Clopine warns that annual spending is the critical unknown. A couple burning $400,000 a year would drain the 401(k) naturally, making Roth conversions pointless.
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