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I agree with Pixy that it's very difficult to estimate tax rates more than a few years in the future. But if you want to be better informed about current tax rates you may want to visit:

Your Tax Bracket

My own feeling about the Roth IRA is that unless you're getting matching money in a 401k plan it's the way to go if you're a long way from retirement. But there's plenty of material on my web site to help you choose for yourself. Start with:

Roth IRA Rules of Thumb

From there you can go to eight other pages dealing with Roth IRA decision factors, if you want that much detail.

Kaye Thomas, author
Fairmark Press Tax Guide for Investors
Includes a new guide to estimated tax
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