You may be making a big mistake with your Roth conversion, this expert says
Key takeaways
- They turn to financial-planning software, either through professional planners or via one of the few programs available to do-it-yourselfers with subscriptions, like Boldin or ProjectionLab.
- My wife and I retired with 22 times our income.
- George Soros’s fund buys Berkshire Hathaway stock — now that Buffett is gone
You may be making a big mistake with your Roth conversion, this expert says Beth Pinsker Sat, May 16, 2026 at 10:45 PM GMT+7 5 min read Deciding whether to do a Roth conversion involves a complicated math equation, but calculators might not give you the right answer. - Getty Images When it comes to making decisions about whether or not to convert pretax IRA or 401(k) savings to Roth — paying the tax now or waiting until later — a lot of people get caught up in the math.
They turn to financial-planning software, either through professional planners or via one of the few programs available to do-it-yourselfers with subscriptions, like Boldin or ProjectionLab. The Roth conversion calculators in these financial-planning programs are designed to model and quantify the analysis to tell you whether you will end up paying more tax now or more tax later.
My wife and I retired with 22 times our income. Why don’t more people do what we did?