Welcome to the Better Off Bonus Call of the Week.

We're sponsored by Betterment, the largest independent online financial advisor.

You can always reach us any time, day night when you got a burning financial question.

All you have to do is send us an email, ask Jill at Jill on Money.com.

And you'll get a couple of chances to get on the air.

And maybe even more because we're thinking about expanding this

because you guys are killing us with your emails send us an email let us know what's

on your mind today we've got Aaron from Salt Lake City on the line.

Hello, Aaron, how are you?

Hi Joe, I'm doing great.

All right, tell me what I can help you.

Of course, what can I do for you?

So I'm wondering about whether it makes sense to convert some of my traditional IRA into a Roth and the tax consequences or benefits.

Okay, great.

So tell me a little bit about yourself.

We are retired and...

And you said we, so you're married?

Yes. Okay.

Sorry.

There's a we there.

Okay.

Okay.

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