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URL:  http://boards.fool.com/lti-think-you-should-figure-on-being-at-a-lower-10100935.aspx

Subject:  Re: Roth IRA's (cont.) Date:  2/9/1998  1:32 PM
Author:  JeanDavid Number:  1689 of 78166

<I think you should figure on being at a lower tax rate after retirement. I would use 15% instead of 28%.>

I think you are being unrealistically pessimistic. If someone starts saving regularly