如果你沒有deductible T-IRA, 隻有 non-deductible, 隻有 growth 要交稅

如果你有很多401K roll over deductible IRA, then you need to ask your financial advisor or use a tool to calculate convert or not whichever is better. A lot of variables need consideration in this case: your age, the amount in IRA, etc.

roth ira 的好處是沒有 minimum withdraw age (70 for t-ira), no tax on withdraw, no inheirant tax if pass to your heir.....

如果你的收入太高，不能直接買roth, 那就先買non-ddeuctible ira, then immidiately convert to roth ira.