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There are a lot of different opinions on this topic, will be interesting to see what this guy recommends.
ReplyDeleteIts complicated. At first everyone thought it was a no-brainer. Then they crunched the numbers and found it didn't make any difference in a lot of instances. Finally, financial planners started looking at all the little nuances where it can negatively affect people - increase Medicare premiums etc.
ReplyDeleteSo I think today we are at the point where we understand that it can be a fairly complex analysis.
To provide additional entertainment there are those seeking, as always, to exploit the financially illiterate - do a Roth conversion and put it into an annuity etc.