davewill
Active Member
Well, if you convert from a regular IRA to a Roth IRA, you save some taxes down stream. The earnings inside a traditional IRA accumulate tax deferred, so someday you'll have to pay income rates on them. The earnings in a Roth accumulate tax free. A significant difference. BTW another choice for people who are old enough to take IRA/401k distributions without penalty is simply to take a big distribution.
