can save $1000 pretax, or $700 post-tax, and either way I'll earn 10% compounded while I hold the investment. After 30 years, I'll have $17,449 in the pretax account, or $12,214 in the after-tax account. My understanding is that I'll have to pay cap gains taxes on the after-tax account when I cash out from that account, which would leave me with $9771 cash from that investment. For my pretax account to give me less than that, the tax rate upon withdrawal would have to be 44%, right?Couple of things. You'll owe earned income taxes on your tax differed accounts when you start with drawls. Assuming no other penalties such as early with drawl.The main point though. I seriously doubt that 30 years from now we'll be playing by the same tax rules. The best thing you can do is plan like you will be but make changes along the way as the rules change.JLC
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