ACA
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>During my time on an ACA plan, it did not make sense..
This makes a huge difference. If I pull even another 5k from 401k, like half of it will be lost to insurance premiums.

caused by republicans starve the beast program.
WE have the strongest economy on the planet.
Republicans ran up debt and deficit the most, to get people willing to let them cut SS and medicare.
Fuck under the bush admin not only did they do three rounds of tax cuts during two wars which you normally sell war bonds for. They didnt pay for shit. No child was left behind, didnt come with a dime of funding. Medicare plan D. not a dime of funding. Contrast this with ACA, which not only was fully funded, it actually lowered the deficit.
We arent broke, republicans constantly cutting our revenues by cutting taxes for the richest of us, gave us that debt and makes you think we need to cut SS and medicare.

https://preview.redd.it/i465ekoa0n5g1.jpeg?width=1080&format=pjpg&auto=webp&s=288d14118ce694e1410f4197056692cbd57c24d0
YMMV:
My mileage is definitely different. When researching 2024 Fed Poverty Levels for 2025 ACA thresholds AI returned a mish-mashed together table that was half 2024 data and half 2025 data. There is a single source (hhs.gov) for this info so no "intelligence" is required but AI still messed it up.

I use my Boldin software to figure out if it makes sense or not.
During my time on an ACA plan, it did not make sense.....doubtful that WSJ took this into account.

Just like Mass had universal healthcare that actually worked prior to the fed gutting it with ACA.

Thanks - I need to read up and do some research on this. I’ll do my first small conversion this year, and have to get the flow right. I will noodle on u/ArthurDent4200 idea of doing a base conversion early in the year, and finalize in Q4 to finish under my ACA threshold.

Dems got a nonbinding pinky promise that there will be a pointless doa vote in January to extend ACA funding. Also a promise not to do RIF for federal agencies. Totally worth it

I have to disagree. There are huge benefits to a Roth, benefits that extend to the individual's non-qualified heirs 10 years past one's demise (and indefinitely for qualified heirs).
I am a case in point. Because I have a big chunk of liquid assets in a Roth (and a big chunk in an inherited Roth), I have tax-free distributions that I not only pay no explicit taxes on, but also no implicit taxes on benefits that accrue to folks with a lower AGI, like ACA subsidies and taxing of Social Security benefits. I am most assuredly one of the few Individuals with multimillionaire wealth that is on the Medicaid ACA expansion (I will be transitioning to an ACA plan in 2026, only because of the BBB and its upcoming work requirements in 2027; of course, the Dems are going to sweep up the House & Senate in 2026, and we will get the Public Option to replace the ACA Medicaid expansion, among others), and will be a "low income" Social Security beneficiary (i.e., SS will not count towards AGI) when the times comes.

Very true. Did not think about the ACA stuff. The subsidies are kind of screwed up in my opinion. Someone could have $10M in investments, be pulling out $250K a year, with a MAGI within the subsidy limits, and then the tax payers pay for their insurance. A little messed up, but that is for discussion on a different topic/thread.

It’s more complicated than that because of FIRE and health insurance subsidies. If the OP is planning on an ACA plan, the costs for those are tied to income. Not having a mortgage means that OP can withdraw less and thus have a lower income and qualify for subsidies. The value of these subsidies could easily offset any investment gains. Or not. The math is not generalizable. It’s going to have to be done individual by individual.