We want to retire in a few years, and have about $1 million saved. Should I move my money to a Roth, and pay off my $200,000 mortgage while I’m at it?

Congrats on being so close to retirement and having $1 million saved – that’s such a great accomplishment. You bring up two very important retirement points so I’ll just dive right in. As for whether or not you should move your IRA into a Roth account, the answer is: It depends.
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