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Reply to "Does my mother need to take an RMD from her IRA or can she just convert it to a Roth IRA?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]How much does she make that she cannot do Roth right away? Why backdoor?[/quote] Yes! So much of this doesn’t make sense. And why worry about RMDs on $25k? It won’t be that much. She can take the RMD and invest it in a brokerage if she wants to leave money to inherit. [/quote] Why would she do that and pay extra tax for the rest of her life? OP should listen to the post with the IRS link and ignore the rest of this thread.[/quote]
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