So how much longer, Dave, do you think taxes are going to stay where they are and how should people be adjusting their, their retirement planning and their tax planning regarding that or around that?

Yeah.

So a lot of people don't think that tax rates can or could go up.

And the reason They think that is because in our lifetime, Mark, we've always had relatively low tax rates.

You know, we're at near historic lows now.

They were slightly lower during the Clinton, a couple of years during the Clinton administration, but we're basically at near historic lows.

And so No matter how much you hate paying tax, you have to appreciate that taxes are probably as low as they're likely to be in your lifetime.

Can you talk about that a little bit?

Ramsey,

yeah, he gives really willy-nilly advice when it comes to Roth conversions.

For example, he says, don't do a Roth conversion when you're within five years of retirement or in retirement.

Well, that can be, Roth conversions in retirement, especially during the retirement income valley, that's one of the best times to do a Roth conversion.

But really, you have to have some sort of coherence behind your strategy.

And I say a good Roth conversion strategy has to answer three questions.

Number one, how much of your IRA or 401k should you actually convert? And some people reflexively convert the entire thing, which doesn't necessarily make sense.

How important is that baseline of income, especially in today's environment? Well, there's a lot