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Welcome to the Jill on Money Show, it's Tuesday, July 19th, and we're here trying to answer your

financial questions. Personal finance that is, but hey, if you had a big question about inflation

or you're confused about how something in the economy works, happy to help you out, but

when we talk about these things, it's more important to figure out how this impacts you and your

life. So if you've got a question, just go to JillOnMoney.com, click the contact us button. Let us know

if you'd be willing to come on the air and mark arranges for everything else because that's how good

he is. Today, we are joined by Sean, Sean's on the line from Virginia. Hello, Sean, how can we

help you out? Hi, Jill. Hello, Mark. Yes, thanks. It's great to talk with you. I have a problem,

which is a problem that's nice to have. My wife and I have been great savers. We've assembled

a very healthy portfolio. It's about 70% of this is in tax sheltered and about 30% in taxable

account, which is nice. I think we're good up until the point, Jill, we need to take RMDs,

but that's when the problem occurs because of the healthy amount of money we have in the tax

sheltered, we're going to get hit with a pretty significant tax set. So to me, I think we've got

a perfect opportunity for using the Roth conversions during the period up to RMDs where we can

convert the money into the Roth. But what I don't know and where I'd like your guidance is,

how do we really figure out what's the right plan for the amount of money to convert? Because

there are things like the Social Security Tax, Capital Game Taxes, the Irma, which is annoying.

You know, we've got ACA, healthcare subsidies, and all of those other factors to try to balance out

the amount that we would prepay. So I'm kind of lost from that standpoint. I thought maybe you and

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