She Retired at 64 With $380,000 in a 401(k) and No Income for Nine Years. She Never Converted a Dollar. Her First RMD Was Taxed at 22%.
· finance.yahoo.com
Nine gap years between her last paycheck and her first required withdrawal gave her a legal window to move money at the lowest tax rates she would ever see. She left every one of those years untouched, and the bill that arrived at 73 reflected exactly that choice.
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Nine gap years before RMDs began at 73 gave her 12% bracket capacity that expired permanently each year she didn't convert.
Her $380,000 grew to $6...