What would you do?

[familydocPA]

For the past several years, my wife has worked for a company that gives her a SEP-IRA contribution. This is typically about $7000. In years past, I have converted this to Roth to allow her to do a Backdoor Roth as well. Of course that means we have to pay tax on the $7000 at our ordinary income rates (marginal rate 24%). I see this as a tax to pay ahead of time that "opens up" the ability to get more tax protected space for her (i.e., the Backdoor Roth).

I know there is no "right" answer here, so I'm just wondering what others would do.

Background: Married filing jointly, household income $280k/year, annual savings ~$125k/year ($36k taxable, $10k 529, backdoor Roth x 2, the rest pretax)

[familydocPA]

Not many voted but it seems that continuing our current plan is the clear winner. Thanks!

[CordMcNally]

Your marginal rate is rate there where it starts becoming a "can I predict the future?" thing. If I were in that situation, I would keep converting and continue to do the BDR.

[Lithium]

I voted to keep on trucking. But if you want more responses, I’d change the title of your thread to something more specific or clickbaity.

[Tangler]

Your marginal rate is rate there where it starts becoming a "can I predict the future?" thing. If I were in that situation, I would keep converting and continue to do the BDR.

Roger that! Outstanding! Carry on!

[jfoxcpacfp]

I voted to keep on trucking. But if you want more responses, I’d change the title of your thread to something more specific or clickbaity.

Yes! On my home page, this post appears just below a separate post with the same title. I wasn’t even interested since there was no context then decided to check after I’d looked at all the others.