I don't have the figures handy but remember that your effective your tax rate on the first twenty thousand dollars or so of income is extremely low or zero. A mixture of accounts is probably best if you will be retiring on less than a millionaire amount. It you run the figures on income of;one third – social security.one third – taxable IRA/401kone third – tax free Roth IRAyou will end up with a very low tax rate.Greg
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