@Viking99 - sorry one more post.... to get the whole $4,000 tax credit, assuming you have no EARNED income, you need to have a tax liability of $4,000. if you look at the tax tables in the 1040 instructions, page 67, you need $36,800 of taxable ordinary income to have $4,000 of tax liability. Add in the standard deduction of $25,900 (assume both of you are under 65), then the GROSS INCOME needs to be $62,700. I am assuming that all your unearned income is Roth conversions, pension and interest. if some is dividends and capital gains that makes the answer more complex (and different) because those items are taxed at the capital gains rate and not the tables on page 67.
https://www.irs.gov/pub/irs-dft/i1040gi--dft.pdf
