Every Year a 62-Year-Old Skips a Roth Conversion Costs About $3,000 in Extra Tax Later. On the Average 60-to-64-Year-Old’s $246,500 401(k), the Window Is 11 Years Long

The article says the years between retirement and required withdrawals may offer savers their lowest tax rates, but most fail to act during that window. It signals a potential tax cost without quantifying it or providing specific figures.