Oh right. When you rollover, you pay normal income taxes on it. My big point was that if I have a year where I have minimal income, normal income taxes are go

Oh right. When you rollover, you pay normal income taxes on it. My big point was that if I have a year where I have minimal income, normal income taxes are going to be so low that rolling it over makes a ton of sense. I doubt I'll ever have a lower tax rate than in a year with very little income.