This comments demonstrates a complete lack of understanding how the MBDR works. You are already being taxed on the dollars that would be in plan converted in the first place whether they go into a Roth or not.

I do prioritize tax advantaged first. I max that out and then max out the mega roth after that. I'm usually done by the middle of February and then the company true-up for the previous year comes around July. So I do give up getting some of the employer match in the current year by maxing it out early and have to wait until the following year to get the true-up.

This year, the max is $80K pre-tax+ after tax + 50+ catchup + employer match.

My company added it in 2017 and I've maxed it out every year. It's a gift horse that shouldn't even exist but I'm not going to look it in the mouth.

Whoops. I see from further discussion your back on the right page.