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Never mind - I found a good picture of it on your Roth vs. Traditional calculator at

If you can deduct (like a SEP), AND your tax rate doesn't change, then it doesn't matter:

e.g., 30% bracket now and later, 2000 to start, 10% a year, 2 year example (works forever):

At end of traditional: 2000 x 110% x 110% x 70% = $1694
At end of Roth: 2000 x 70% x 110% x 110% = $1694

If you're rate changes, then the issues start.

Thanks anyway,
GoodEye (but BadMath)

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