If you saw the spreadsheet I put together to project our finances... 🤣 Since I wanted to figure out if Roth conversions made sense, I took it out to age 100... 😁 The conclusion was that it was a negative in the short term, a wash until around age 80, and then gradually became better and better, since the Roth could grow for decades tax free. Still, I decided the difference up to a plausible age wasn't enough to bother.