Roth Conversions (Taxable events ~22§ from traditional IRA for both2019 and 2020 in March 2020 near correction lows into MS Growth triple digit returns tax free account). Use life insurance permanent with cash value accumulation to be own banker, borrow against cash value and use as tax free income. I’m licensed life insurance agent but don’t have sales DNA (enjoy devising my own tax saving strategies using 1031 and 1035 tax free exchanges, QOZ capital gain tax deferral, etc)I worked a lousy W2 job over 36 years, the company HR bean counters tried to swipe my defined benefit pension by laying me off before age 55, but I got a lifeline from sympathetic insiders who helped me keep working another year, then after I left the company froze everybody’s pension. At age 55 still time to recover and change where I reside in the cash flow quadrant. Future challenge to be addressed: limit and control MAGI 2 year prior to Medicare filing date to avoid steep IRMAA brackets.