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BF said:
Check your math. Let's say you have $100 to invest.
That's probably $100 - $28 (28% bracket) in a Roth or $72 after tax "growing tax free". Compared with $100 - $0 growing at the same rate (assume the same investment vehicle). When you retire you withdraw what you need to live on. If that puts you in the 28% bracket, it's a wash. If it puts you in a lower tax bracket then the Roth is a sucker play.


True if you only have the $100 to invest. But, if you happen to have $128 ($100 after tax), then $100 growing at the same rate tax free is certainly better.
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