Date: Thu, 5 Apr 2007 12:27:12 -0500
From: "Jim" 
Newsgroups: misc.invest.financial-plan
Subject: Re: about 401k Before-Tax savings (or After)
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joetaxpayer wrote:
>  I still maintain a caution that if you happen to have a lot
> of money, say $100K to convert, a bit of planning and converting over
> two or three years may be more beneficial than the all at once.

appreciate all the comments, in my case I have just the 20k so maybe my 
situation is a bit simpler

is there an easy back-of-the-enveloper estimator/calculator where I could 
try to estimate what the tax bill might be on a sum of just 20k? in my case, 
this represents just 2 years of 4k (total 8k) of salary so my gain is 12k 
and original tax deducted money is 8k