All right, we've got Andrew B.

He says, my employer has started to allow in-plan Roth conversions.

How does one decide how much traditional or the match to convert to Roth?

Is this an example or a reason to take it to the next level?

I'll enter the second part first. Yes. It is a time when it might make sense to take to the next

level because this gets incredibly nuanced and incredibly complicated when you're starting to do

mega backdoor Ross. And let me, can I lay out what a mega backdoor Roth is?

Yeah, well, you definitely need to because I think Andrew, he's asking, he sees that

somebody has made Roth conversions, in plan conversions available.

That tells me, whoever designed your employer's plan, they were designing to add additional

features.

And Bo is about to go over that.

But you didn't even ask Andrew what this kind of,

you're asking how to, you know, should I take advantage of this? Let Bo blow your mind with this

cool planning opportunity of mega backdoor Roth contributions. Yeah, so in plan conversion is one

piece of that. What it's basically saying is that you have some assets inside of your 401k that can

be converted to Roth inside of the plan.

Now, what most people think of when they think of Roth conversions is I take some pre-tax dollars

and I convert them to Roth dollars and that becomes a taxable event.

A lot of folks will do that with their employer match.

Maybe I'm maxing out my Roth salary deferral and my employer match goes in pre-tax

and I want to convert that. Those are all

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