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Greetings, Tisha, and welcome. You wrote:

<<I'm trying to make him understand that it's tax deferred with the Traditional IRA (getting taxed at retirement), or pay the taxes up front (Roth) and get it home free at the back end.

He doesn't feel that paying the taxes on the Roth makes sense, because of the loss of the compounding interest on the taxed money. I like the idea of not having to worry about: capital gains, more taxes down the road, and more paperwork down the road too.

I imagine this is the raging debate between Roth or traditional. I my case, he doesn't really want either!
I'm having a heck of a time trying to get him to see that having 3 retirement investments isn't going overboard. The Keogh, and the 2 IRAs for the 2 of us.

This guy is brilliant with numbers, but when he makes up his mind...

Any advice would be gratefully accepted!>>

If he's good with numbers, then perhaps you should have him read the analysis I did on Roth contributions in post number 1567 on this board at It may help you convince him. At any rate, it should give him some food for thought.

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