Welcome to the Jill on Money podcast. It is Tuesday, June 29th. And we are here to try to take the mystery out of your financial life. The way we do that is we answer your questions. Either I read your emails or we get you on live. The thing about the email, which,

I mean, I love the emails. I really do. It's been fantastic and you guys are so generous and just

taking the time to ask these questions. But our email box is, our inbox is bulging. Mark is

no longer fretting about it ever since we had our guest who got him to calm down about it. Cal Newport told him to calm down. But if you want to jump the line, you've sent us an email perhaps and we haven't gotten to it yet. It's just because there's so many emails. And if you want to jump the line, all you have to do is resend it. Just forward it back to us and say, I want to come on the air

live with you. That's how you jump the line. It's in a great. It's sort of a legit way to be a line jumper, which is, by the way, not the kind of person I like very much. I don't like people who kind of shove their way up into the front of the line. Okay. So if you want to jump the line, let us know. that is what Maureen did.

She didn't jump the line, but she did say

she wanted to come on the air live.

Maureen did. She didn't jump the line, but she did say she wanted to come on the air live.

Maureen is on the line from New York. Hi, Maureen. What can we do for you? Okay, I have some questions about our traditional IRAs, which also encompassed some 401ks and doing Roth conversions. We have about 2.6 million in all of our

retirement funds, of which about 400 is Roth IRA. We've been retired for about two years,

and so last year we started doing conversions to keep us up to the 22% tax bracket.

And I'm wondering if there's just a rule of thumb of how much we should be looking to convert to Roth.

So tell me a little bit about yourselves.

You've been retired for two years.

There's a selves.

There's a plural.

So you and a spouse, how old are you?

We're both 67.

Okay.

Are you collecting Social Security?

I am.

And I collect about 2,000 a month.

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