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FuskieFool: "More than likely the law will be changed for future contributions rather than to take away a decade of contributions."

Possibly. I agree that prior contributions will not face the FIT again because they were taxed going in, but it will be not that hard when they are desparate for revenue to say that earnings (which were never taxed) are now taxed when they come out. If you got earnings out before teh change, they would be grandfathered.

Second, as rad has already noted, means testin for eligibility for other programs is the equivalent of a potential backdoor tax.

Third, tax reform that leads to a consumption based tax (instead of an income tax) --- think FairTax, would tax the earnings when withdrawn and spent. Be careful what you wish for.

Regards, JAFO
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