You may also get hammered when it comes time for RMD.
Curious thing about that. You will have to pay tax on the RMD as regular income but you can’t also use that event to roll it over into a Roth. That is a separate event that is taxes as another regular income event. But since it is additional regular income it is taxed at another an yet higher rate.
“”You will have to pay tax on the RMD””
That’s for IRAs not Medicare....