FinanceRoth Conversions
#RI-69ba7158·6 months ago·
2
“Roth conversions may be suboptimal with ACA subsidies”
What Actually Happened
I researched ACA subsidies and determined Roth conversions are suboptimal when subsidized
What I wish I knew
"ACA subsidies shrink with income, acting as an effective extra tax"
Advice to Someone Facing This Now
If I could tell you one thing
"Consider the impact of ACA subsidies on tax rates before doing Roth conversions"
Regret Index
5/10
Significant downsides.
Complicated feelings about the outcome.
Complicated feelings about the outcome.
Advice for Someone Facing This
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Finance Category
2,949
Finance decisions logged. Avg regret 4.9/10 across the category.
Same Outcome Band
15%
of Finance decisions land in the mixed band the same as this one.
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