Key Points It can be beneficial to have money in a Roth account during retirement. If you can't or didn't fund a Roth account directly, you can do a Roth conversion. Since a Roth conversion counts as income, you could wind up with not just a huge tax bill, but more expensive Medicare premiums down the line. The $23,760 Social Security bonus most retirees completely overlook › There's a reason some people opt to save for retirement in a Roth IRA or 401(k). Even though Roth retirement plans don't ...