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this will probably hurt my business but I gotta be what I gotta be its getting harder to uh to make Roth conversions work um and it sucks dude because I wrote a book on Roth conversions a tax bomb in your retirement and I just uh its getting hard to make it work Im going to be upfront with clients to say look I dont see any benefit of it in fact there is any benefits Let me Give an example here is a single guy so this guys single so a lot of times if youre single right there they were like and normally what wed do is you look at this probably okay you okay you gotta stop eating those fur balls and we say heres his his taxes you can see a 74 to 75 it goes from basically nine percent effective tax rate to a 16 to 17 effective tax rate because of rmd so thats a pretty docHub jump an 80 jump in an effective tax rate and youre like oh yeah we should definitely do Roth conversions in which the level the tax man off thats what the whole point about Roth conversion is trying to