Hi intercst-I am very interested in your answer to point #2. Here you are recommending that instead of making non-deductible contributions to an IRA one should use a tax managed index in a taxable account. Is this assuming that when you would withdraw from your IRA that you would be in the highest tax bracket? Do you know where the breakeven tax bracket would be where it would become more advantageous to make the non-deductible contributions to an IRA instead? Does your comment also take into account the cap gains tax on distributions that a tax managed index fund would realize however small they may be?I am in this exact situation and am trying to determine which I should do. I have no idea what my future tax bracket may be in retirement. Given that, should I lean one way or the other?Thanks!melrosest
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