Especially if you hit the RMD threshold in retirement. Even more important is how RMDs affect Medicare premiums(1). The best advice I have is to avoid RMDs as

Especially if you hit the RMD threshold in retirement. Even more important is how RMDs affect Medicare premiums(1). The best advice I have is to avoid RMDs as much as possible since they can/will affect other parts of your retirement strategy. Thus, converting to ROTH today may save you lots of cash in the future. (1) https://www.fedsmith.com/2024/10/23/rmds-are-silently-increasing-medicare-premiums/ https://www.fedsmith.com/2024/10/23/rmds-are-silently-increa...