Lumpsum on Pablo Overtonhttp://www.pablooverton.com/tags/lumpsum/Recent content in Lumpsum on Pablo OvertonHugoen-usSat, 18 Apr 2026 10:00:00 -0400The Bug You Can't Find With Tests: IRMAA's Two-Year Lookbackhttp://www.pablooverton.com/posts/irmaa-lookback-invisible-rule/Sat, 18 Apr 2026 10:00:00 -0400http://www.pablooverton.com/posts/irmaa-lookback-invisible-rule/How a timing rule invisible to the code — and to most retirement calculators — changes the math on Roth conversions at 65.