BGPenhollo: "With 40 years to retirement, I am assuming you are fairly young (low 30's at best). Your marginal tax rate is probably low but in 40 years it is unlikely that your tax rate will be this low so..Is it better to pay 15% or 28% (present marginal rate) today if you use a Roth or 28%, 31% or 39% 40 year from now if you use a traditional IRA."Just to be devil's advocate, what if FIT is abolished and replaced by a natioanal sales tax?"Is it better to pay 15% or 28% (present marginal rate) today if you use a Roth" and then still pay national sales tax 40 years from now if though you used a Roth IRA OR is it better to get a deduction at 15% or 28% (present marginal rate) today if you use a traditonal and then pay national sales tax 40 years from now if you use a traditional IRA.Sometimes a bird in hand really is worth two in bush.Regards, JAFO
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