@DanaB27
Hope you are well. We called my wife's 401k plan and unfortunately they do not allow reverse rollovers. As far as converting her traditional to Roth, the pro-rata rule is actually a burden to those who are doing BACKDOOR roths correct? In her case since we are not doing backdoor roths, we are not being additionally penalized by pro-rata rule (besides paying taxes) on converting her traditional to roth correct?
It would make sense to convert her tIRA when she stops working as we will possibly be in a lower tax bracket?
Thank you
