Welcome to the Better Off Bonus Call of the Week. We are sponsored by Betterment, the

largest independent online financial advisor. Now remember, two chances every week to get on the air with us. On

Tuesdays we drop this bonus call of the week and then we try to do a Thursday call

with one of you with one of you lucky souls after we do our big interview. So if you'd

like to get on the program just give us a holler ask Jill at better off

podcast.com. Ask Jill at better off podcast.com. We've got Marshall who's on the line from Richmond

Virginia but Marshall it's not just you it's you and your daughter right?

Yeah you may hear Margaret pop in a few questions as well.

She's in the backseat.

Excellent.

All right, tell me what's going on and how I can help you out.

Yeah, so I've got an interesting situation.

It's kind of a good problem to have I guess where I had a job the last few years where I was able to accumulate a pretty good amount in my 401k and I converted that over to a, I rolled it over into a Tritional IRA and now that tax rates have come down pretty materially in 2018 I have a unique situation where I think it might

make sense to convert over to a Roth my thinking being that you know there's a lot of factors that play, but tax rates down the

road, you know, 30, 35 years from now, because I'm only 30, 31 years old right now. But when I'm retired only going to be

but when I'm retired I think tag rate tax rates will probably be in a

higher place where they are right now if I just wanted to kind of walk you

through either I can you walk through my thought process or maybe you can ask any questions.

Well, I want to make sure it's not a terrible idea.

No, I'm going to just, I agree that, you know, there is a unique opportunity at least in the next group of

years while we know that tax rates are going to be lower for a lot of people and if

you first of all a lot of people don't know what their tax rate's going to be because

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