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Hi dmertz!  Thank you for the additional information.  I'm following the first part of what you are saying and it sounds good and doable, but would still appreciate a little more clarification. I plan to convert around $50k to Roth. 

"... you could then take a distribution paid to you (so $35k paid directly to me and not converted to Roth and using your example numbers, $15k withheld for taxes?) from your traditional retirement account equal to the amount that you intend to convert to Roth, have $15k of that distribution withheld for taxes, replace that $15k with other funds (non-IRA funds?  where do I replace it to?), then indirectly (what does this mean?  how? ) convert to Roth within 60 days the entire amount distributed from your traditional retirement account.  Note, I have already contributed the max to a Roth this yr from part-time work. Does this preclude this method?  Sorry if too many questions. Thank you so much for your help!