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Subject:  Re: To Roth or not when making very little? Date:  8/13/2011  4:53 PM
Author:  MurrayS Number:  69414 of 88051

Taxes are the lowest they've been in 50 years. They won't go anywhere but up. Marry that to inflation devaluing the dollar and taxes are going to be a real issue in the future. we can't keep doing the no-tax thing and deficit-spend thing forever.

I'm only 40-something and I'm already above these numbers in my regular IRA. I've been maxing it out for 20 years and making DH do the same. We're savers.

OTOH, my wife and I pay AMT (ie defer taxes above 25%) every year and our expenses are far below our income. As a result, we will likely have a decade or two of IRA withdrawals at well under the 25% rate in retirement.

Converting to a Roth makes little sense for us.

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