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Subject:  Re: Poll: 401K Roll it? Take it? Date:  4/5/2007  6:56 PM
Author:  AcmeFool Number:  56633 of 88047

I think we can agree that age 57 it is better to have a Roth IRA worth $30,590 vs a traditional IRA of $34,487.

I don't agree. This is a tiny amount of money when it comes to retirement funds. If this is all the OP will have at 57, then it would seem his tax bracket in retirement is going to be very low. Depending on state/local taxes, it might not be hard at all to stay under the 12% combined effective tax bracket required for the Traditional IRA to be superior to the Roth IRA.

And all of this assumes the OP will be disciplined enough to save the $325/month.

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