Thinking about flipping your retirement savings into a Roth? Hit pause! If you expect your income (and tax rate) to drop later—like after paying off your house or when you start giving more to charity—a Roth conversion could mean paying extra taxes now for no real benefit. Sometimes, just letting your money chill in your IRA and using smart withdrawals or charitable moves can save you more in the long run. Timing is everything! #Business #MakeMoney #MoneyHacks