person

Understanding the intricacies — and then applying them to a person’s circumstances — takes some homework.

Though someone can perform a Roth conversion at any point, Carroll said there may be a “golden runway” between the time a person stops working and when they are required by the IRS to start tapping their tax-deferred retirement accounts.

Depending on circumstances, a person’s future taxable income may be lower.

She suspects that her résumé never reaches a real person because of AI filters.

“Until they create a robot that can perfectly replicate the senses of a person, I think I’m pretty secure where I’m at,” Hannah says.