This blog post explains when converting a Traditional 401(k) or IRA to a Roth IRA makes sense, emphasizing that paying taxes now at known (often lower) rates can reduce future taxes for you, your spouse, and your children while increasing long-term, tax-free family wealth—if you have time for growth and can pay the conversion tax from non-IRA funds.

Here's what most people don't realize: some 401(k) plans have a plan-design feature that lets you move far more money into Roth treatment than a Roth IRA ever could — regardless of your income. It's usually called the "mega backdoor Roth 401(k)."