Have you heard about the opportunity cost argument against Roth conversions? Some believe there is a lost opportunity cost by doing a Roth conversion because they argue that the funds used to pay the conversion tax could have been otherwise invested, and that investment return opportunity is lost.

Well, I'm here to dispel this argument - it's false because there is no opportunity cost in terms of lost investment gains if the tax rates are the same both at conversion and late at distribution. Still don't believe me?

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