Many people in retirement wonder if it's too late to begin converting taxable IRAs into non-taxable Roth IRAs. All of us would prefer to be income tax-free in retirement, but converting to Roth is a case of trading short term pain for long term gain. It is easy to talk about doing, but not everyone is ready to begin the process. Well, under the new tax law, a strategy has emerged that could allow you to make the conversion with the least amount of pain. It's called "filling up the middle brackets" and we'll review it today, plus Steve will share tips on building retirement wealth...the SMART WAY. You don't want to miss it...MASTERING MONEY is on the air!!