Was the Roth IRA conversion in 2022 worth it?

Very uncertain. One one hand, the logic of Roth IRA conversion still exists. On the other hand, the term “sequence risk” has multiple variations and one is “sequence gain,” which is that this couple would have $3,680 more during the first years of early retirement, versus unknown (albeit logical) benefits of the Roth IRA conversion, later.

That is up to you, the fact is that most people don’t have this information, so they don’t know the range of choices available.

Important note: I have stated that failure of the Build Back Better Act will jeopardize the full extent of health insurance savings, the APTC will not be available beyond 2022, in which case, this exercise will change again.