@user17582967402 wrote:
re statement above : "...For the same reason, you must withdraw your RMD first so you can pay tax on it, before you can convert any of the pre-tax IRA to a Roth IRA. .."
Do not understand.
If I do Roth conversion on Monday and then RMD on Friday, there is ZERO tax difference than if I did RMD on Monday and then Roth on Friday.
Right?
No. It is technically incorrect, as explained by @dmertz . By operation of law, taking money out of the IRA on Monday is automatically the RMD, and thus not eligible for rollover (assuming you have not withdrawn any other funds earlier in the year).
You might not get caught, but it is technically incorrect, and if there is an audit, you can be assessed whatever penalties and taxes apply.
