Not a problem, even with the Roth conversion we're under the $160k for MFJ to get the full AOTC. Any idea whether that will be indexed for inflation (seeing how Social Security and tax brackets, 401k and IRA contributions just got a big boost due to inflation)? Not a problem for 2023 either, but with the new requirement for catchup contributions to be put into a Roth 401k, with possibility of raises/bonuses, 2024 and later could put us in the position where we would not be able to convert much before tax rates go up in 2026, so we'd be choosing between claiming the AOTC or converting traditional IRA money to Roth in 2024 and 2025.
