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John is in California.

Hey, John, how are you?

I'm great, Dave.

How are you guys doing?

Better than we deserve.

How can we help?

Well, I give you a little background. My wife and I are both retired, and we're struggling and trying to decide what we would like to do with what we've accumulated over our lifetime and specifically your viewpoint in regards to

IRA conversions to Roth.

Just to give you a few numbers, we've got about half a million dollars in liquid mutual funds

and bank account, and we've got about $4 million in IRA accounts.

One million of that is already in a Roth. And $3 million is in a traditional IRA. And I've been

looking at a bunch of numbers and reading a bunch of things and what I'm trying

to decide on is is it better for us to try to do some conversions between now and when we reach

R&D at age 73, which is about seven years from now, or let our traditional IRA grow and my concern is that if I

just let it grow during our lifetime you know the R&Ds are going to be six-digit numbers

this is not money we need to live on we live with our means, on just fixed income and have been able to, you know,

accumulate a lot and not spend anything.

And so now I just don't want to make a mistake with what we've been blessed to accumulate.

So I'm curious what your viewpoints are about paying, you know, what I calculated to be about

$1.2 or $3 million over the next five or six years doing step conversions to Roth or just

...