I'm still studying ways I can save on taxes in the near and far term and I have a question.
Married Filing Jointly
Age 38
One child
Current household income: $98,400
Occupations: Army officer & admin asst
FIRE date: 2023-2025
We both max out our Roth IRAs, my TSP, and put 90% of my wife's paycheck into her 401k (to the tune of about $10k/year).
There's a strong chance I'll retire with a pension worth $40-$60k/year. Between this and my investment accounts (currently up to $900k) I'm concerned that I'm not going to have any tax space in my retirement to do a Roth conversion ladder. Is there any benefit to me stopping contributions to my Roth IRA and starting up a TIRA? I'll know in 2 years if I'm going to qualify for the pension, and a year after that how much it'll be worth.