Roth vs. Traditional in a Low Earnings Year

The three things that can really be done in a low income year. Roth contributions, Roth conversions. And you mentioned tax gain harvesting. Make Roth contributions instead of tax deferred contributions. This is one of the most complicated decisions in personal finance, whether to make Roth contributions or tax deferred contributions. There is so much that goes into that decision. Sometimes it's obvious what you should do. You know, if you're a resident, you're not playing any games with trying to get your student loan payments lower or something, it's almost always going to be Roth, right? And if you're in your peak earnings years and you're not a super saver of some kind, it's usually going to be tax deferred. But most people don't fall into those careful categories, you know, and so it's a hard decision. Lower income is obviously one thing that you put on the side of the ledger that makes Roth a little bit better. But there's so many other things on the ledger. I don't know that that's enough to really move the needle.