Between the year a worker retires and the year Required Minimum Distributions kick in at age 73 under SECURE 2.0, most households have roughly an 11-year window during which their taxable income drops sharply. Wages stop coming in. Social Security and modest portfolio withdrawals take over. For many, that means falling into the 12% or ... Retirees Get an 11-Year Window to Convert to a Roth at Low Rates. The Average One Converts $0.