 So do a Roth conversion of 50 grand or contribute to a Roth IRAs. I'm 59 and I'm retired. My wife's 52 and still working. Before we even answer the question, guys, I need to hit the parentheses. It's our understanding based on tax code, which can change all the time. And by the way, there's rules and then exceptions and then exceptions to those exceptions and then exceptions to those exceptions and exceptions.