A lot of people are converting their traditional IRAs to Roth with a100% btc allocation.
—I mean a LOT of people are doing this.  If bitcoin 100x nobody will owe tax since a Roth is pretaxed.  I suspect your wife is right.
Congress can pass laws to invalidate these rules when the exploit becomes this severe.
Interesting times.
🧡🍻👊🏻

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