Right, that’s why I said the general strategy. The 22% tax bracket for MIJ is $94,301 to $201,050. As a guess, I’d say a good percentage of this board fit in there somewhere for retirement planning.
If you need to withdraw say, $150,000 for expenses, that leaves you $50K to convert without filling up the tax bracket. Do that for 10 or 15 years and you’ve probably whittled your IRA down to a manageable size for RMD purposes. If not, the 24% bracket is $201,051 to $383,900. You can whittle pretty fast in that event.