Just listened to the episode featuring Sean M. and Cody G. discussing their new book. Promptly ordered it from B&N. Never thought I'd be so excited to get a book about retirement tax planning - talk about "adulting" lol! One thing that really got through to me from the episode, is to calm TF down about Roth conversions. I'll probably wait until that age (66-69), that makes so much sense. Thanks to what I've learned from ChooseFI and the FI experts, I recently transferred a $500k annuity (that I was basically misled into signing up for by a sleazy 401k manager years ago at my old workplace) into my Fidelity IRA. So instead of the annuity, which would have locked me into income that I might or might not want, I can control my income, make it low or high as it suits a particular year. Flexibility, for the win!