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How embarrassing. I didn't finish my argument to the first one. I must have been too tired and reformatted the post a couple times without proofreading it.

3. Many think that the longer you can postpone taxes on money the better. The validity of this argument depends to a great extent what current and future tax rates are.

IMHO, this isn't a strong argument. That applies more to selling individual stocks and how much capital gains you want to realize. When the amount of YOUR money is affected (such as $3,000 after taxes in a Roth IRA versus $2,250 after taxes assuming you're in the 25% marginal tax bracket in a traditional IRA), then you're trying to squeeze a "one size fits all" statement to something with more complex issues.

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