You may have contributed to a traditional IRA because you thought your income was going to be too high to be eligible for a Roth IRA contribution. But if your income ended up being lower than you expected, you may prefer to take advantage of the Roth IRA.
A recharacterization lets you move that year's contribution to a Roth IRA, which offers the ability to take tax-free withdrawals in retirement.*
需要把$7000连同收益都取出来，再放$7000到TIRA然后Backdoor转到Roth IRA吗？如果那样的话不如现在直接做Backdoor Roth IRA。
以前是让孩子们在年初的时候放前一年的Roth IRA。现在发现那样做就会晚投资一年。
https://investor.vanguard.com/investor-resources-education/iras/ira-recharacterization
赚下的血汗钱相当部分还是替外人打工了，身体不好的更是如此，如果进ICU不拔管，可以以极快的速度把钱全部捐献給医院了，连老布什太太都拔管，可想而知，烧钱速度有多快。
可以有效地躲开"富不过三代"这个怪圈。
下面这种操作和Backdoor to Roth IRA 是一回事吗？
You may have contributed to a traditional IRA because you thought your income was going to be too high to be eligible for a Roth IRA contribution. But if your income ended up being lower than you expected, you may prefer to take advantage of the Roth IRA.
A recharacterization lets you move that year's contribution to a Roth IRA, which offers the ability to take tax-free withdrawals in retirement.*