Crypto news: Retirees have an approximately 11-year window before age 75 during which they can convert to a Roth IRA using a 12% federal tax rate. However, the average retiree converts $0 during this window, mainly because paying conversion taxes with a personal savings rate of 3.9% is almost impossible. Financial educator Suzy Orman recommends converting in small annual installments to ensure the taxes come from a brokerage account rather than an IRA. In 2026, the 12% tax bracket cap for married couples is $100,800, while the 22% bracket cap is $211,400. Most families fail to make effective use of this tax opportunity within these 11 years, and may ultimately face higher tax rates and forced withdrawals.