Anybody else trying to figure out their 2025 IRA strategies on a Saturday night?  Well, maybe this crowd would, but I admit this isn't something I would be normally doing.

And yet, here I am, with an open question for anyone who is reading:

I am considering using money from my Traditional IRA to contribute to my annual Roth IRA, starting this year.  The reason why is because money continues to be tight as I enter year 2 of my hope-it-will-continue-to-hold early retirement, and I would like to eventually close my Traditional IRA some day anyways, to avoid the eventual RMD.

I should also note that I have roughly 20 years to get this transition done, so it's not like I'm in a rush, but this seems like as good a year as any to get started, right?  What do you guys think?  My current contribution limit is $8k, so I believe that will not impact me greatly on the tax front, since I am no longer actively working anyways.

Looking back, I guess it had been a fairly eventful year.

• Visited my home country where I was born, after a 20+ year hiatus.
• Went through the bureaucratic nightmare that was getting my passport updated to travel.
• Went through the even bigger bureaucratic nightmare that was losing and trying to get my driver’s license back.
• Learning to adjust to my own personal "Covid lockdown" due to my lack of driver's license.

• On a brighter note, I am cautiously optimistic that perhaps I am going to be able to continue to retire.  2024 had some rough patches, but nothing so bad that it derailed me financially.  Will have to see if I can continue this streak into 2025.  Baby steps.