I have a Roth IRA already, but no longer contribute to it because our income is above the limit(humble brag alert),(also it's annoying the the married filing jointly limit isn't just double that of a single filer, what's the logic there?)
So I have been doing an IRA for the past few years. For 2025 should I plan to convert my contribution over to my Roth? Should I convert the entire IRA? Is that allowed?
The RMDs for an IRA don't seem like that big a deal. So I guess since I don't get a tax deduction for the IRA contribution limit now, the benefit of tax free growth is greater than tax deferred growth?
I also don't really understand why everybody seems sold on Roth IRAs, but less so when it comes to Roth 401ks.