 On the other hand, if you've saved a lot of money in an IRA or a 401k and you're thinking about rolling it into a Roth, that can also be a great idea. But there are some things you need to know about. There's a thing called the five-year rule. That's something we can go into a lot of detail here on the air. But if you'd like more details on that, give us a call at 270-201-7080 and ask for a free Roth conversion analysis.