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What is your solution then? Cash under the mattress? Gold? I don't doubt the 401k/Roth Rules will change in the future. I'm hoping if they do change it will include some sort of a grandfather clause or grace period to convert funds out and into something else. If not, perhaps I'll end up looking off shore :-) Who really knows. In my mind, all I can do is make assumptions for the future based on some iteration of todays rules. While this may be "throwing darts", I think planning based on something catastrophic like the government digging their grubby mitts into my Roth is an even wilder proposition.

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