Re: To convert or not to convert that is my question
I would look at funding the Roth TSP option now rather than the conversions. Although, at your income level that is probably not a real smart idea. The only positive would be that part of your retirement income stream will be untaxed and thus you could massage your retirement income to avoid the tax man to some small extent.
The value of Roth accounts is the ability to never pay tax on the compounding growth. You need time to make it viable. At your ages you will not have huge amounts of compounding growth unless you invest in a very risky allocation - and, in that case you might have to manage a decline.
Lookin' up at the 'G Fund'!!!
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