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URL:  http://boards.fool.com/the-point-here-is-the-money-you-invest-in-the-29912202.aspx

Subject:  Re: Roth investing/withdrawing at 60 Date:  3/15/2012  10:21 AM
Author:  reallyalldone Number:  70355 of 74759

The point here is the money you invest in the Roth was taxed before if went in -- so the only "saving" you have is for taxes on the net gains in your Roth.

Another note - We/I never converted trad IRAs to Roths because I felt taxes were as high as they were going to get. What I failed to consider but also should play into conversion decisions is that eventually a couple will end up being one and tax rates will also be different - in my case somewhat controllable until 70.5 and lower.

The Roth conversion push was pretty strong over the past few years and there was rarely a counterpoint - TwoCybers, it was good you provided one.
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