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URL:  http://boards.fool.com/kilmarnoch-wrote-ltlti-think-anyone-who-is-10096395.aspx

Subject:  Re: Roth IRA Contriubtions & Conversions Date:  2/2/1998  7:11 PM
Author:  Kilmarnoch Number:  1598 of 80383

Kilmarnoch WROTE,
<<I think anyone who is *planning* for their retirement is not going to take too much of a tax bracket reduction after retirement. Most people who care what happens to themselves after retirement have a large amount of money saved away outside an IRA.>>

orangeblood ASKED about the above,
<<Why do you say that? By outside an IRA, are you referring to 401k?>>

I said that because I guess most people have not been putting away 2000 a year for 40 years, and would really *need* to have some additional fund to live on after retirement. I was thinking of both 401k and other work related retirement plans (pick a number). As well as just taxable savings, basically an emergency fund available throughout their life (available before 59 1/2 :), s