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Message: [QUOTE="Lafayette, post: 5284766, member: 14008"] There's too many factors to say yes or no to you. First would be if IRA contributions over the years netted tax deductions or if they did not. Any year that it does not is a year to put money into a Roth thru a backdoor approach. Then I question why you are looking at tax brackets, and not what amount of money you need in retirement each year. Some want to travel and go nuts, others are content to stay small, save, and live on less. There's also medical costs which are hard to predict and medicare a and b from social security will certainly help so that is why some take SS earlier than others. Also some states don't tax IRAs but most do; most states don't tax social security but some do. And maybe you have some brokerage to take tax losses in if you take in too much from IRAs and 401ks, but if you took money from a Roth you wouldn't need to shelter it. So lot's of scenarios to consider. [/QUOTE]