 later in the year. The year is almost done. We know exactly how much money you've pulled out of other accounts. Chances are in the last month of the year, you're not going to have to take some huge distribution that's going to mess up the conversion. And even if you did, you just push it off to January. And then you're looking at tax brackets, right? So are you single, filing single tax return? Well, your tax brackets are specific to being single. Are you married, filing jointly? Your tax returns are specific to that.