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#1 Roth's have value if the goal is to pass money the Roth owner will not need to the next generation without taxes. (But keep in mind estate taxes don't happen on over 90% of the estates.)


but withdrawals from inherited IRA are taxed as income .

#2 Assuming the Roth owner is going to use/spend the funds - than a Roth does not make sense unless the tax rate (that would be total tax rate, not marginal) at the time of withdraw is less than the tax rate when funds are placed in the Roth. i.e. If in retirement your tax rate is less than when working, it it doubtful you will pay less taxes in total and/or have equal purchasing power.


true if you're talking about converting largish IRA/401k .. maybe not if you're talking about small contributions
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