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GOBankingRates
GOBankingRates
John Csiszar

I Asked ChatGPT If Roth Conversions Are Still Worth It in 2026 — Here’s What It Said

ChatGPT IRS
AJ_Watt / Getty Images

One of the most commonly asked questions among investors is whether or not they should convert to a Roth IRA, and if so, when. AI assistant ChatGPT boils the answer down to a simple truth: a Roth conversion is always a trade-off.

In exchange for potentially lower lifetime taxes and future tax-free withdrawals, you must pay ordinary income tax today.

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