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I'm wondering if you have advice from me. I have about 7.8 million in financial assets,

with the bulk of it, 6 million in tax-everd, IRAs, 401Ks, and 403Bs. I'm a 66-year-old guy, and I'm taking Social Security amounts of about $3,600 a month,

and I have a pension of about $1,000 a month.

My problem, and I think you can see it, is that in seven years, I'm going to go off a cliff

with required minimum distributions on my tax deferred accounts.

Yep.

And I can't solve this.

This is going to boost me into the highest tax bracket, I think, and trigger Irma and other kind of penalties.

Is there any answer for me?

God, I hate it when you've got $7 million worth of money.

Way to go, man. You did great. I just wish it wasn't all in tax deferred. Oh, my gosh. I didn't realize that until too late. Yeah. So, okay, so is it all 401K or what is, most of it is?

It's IRAs.

The bulk of it is in 401K and 403D, but some of it's in IRAs.

Did you say some of it was taxed was like a 457, just deferred income? Yes, uh, like a 457 just deferred income?

Yes, yes, yes, yes, 4.7 B, that's what it is. Yeah.

How much of it is that?

Uh, geez, you would ask me that. I think it's about half, half of it is half of the six million is in that.

So the extreme answer that's probably, that is not the answer, but this is helping me run the math while I'm live here on the air with you, is if you just moved it all to Roth, you would pay taxes on all of it now.

And one fell swoop.

If you did.

I'm not suggesting that.

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