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Personal Finance (Not Investing) • Does it make sense for me to do Roth Conversions while still working?

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Yeah, I have 15 years until I can make a penalty-free withdrawal from tax deferred accounts. At current balance of 1.4M (and possibly a couple more years of contributions plus employer match), and then 15 years of market compounding -- it's going to be an enormous amount of future tax obligation.
You could look into 72(t) / SEPP distributions to get penalty-free access to your tax-deferred funds before age 59 1/2.

Statistics: Posted by droptheleash — Wed Jan 14, 2026 9:38 am — Replies 14 — Views 1033



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