Thinking about switching your 401(k) or IRA to a Roth for that sweet tax-free retirement? Hold up! If you’re earning big bucks, converting now could mean a monster tax bill that takes years to pay off. The trick is to time conversions for years when your income dips—like early retirement—not when you’re raking it in. And don’t forget: higher income can bump up your Medicare costs, too. Sometimes, waiting is the real money move! #Business #MakeMoney #taxes