 But there may be a few things that you need to be using that money for to make sure that those things are bulletproof inside of your plan. For instance, if you've made a little more in your investments than you thought you would over the last couple of years, it might be an amazing opportunity for you to start looking at doing what's called Roth conversions. These Roth conversions are going to allow you to move money to tax-free buckets.