No. of Recommendations: 1
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/401k
one third – tax free Roth IRA

you will end up with a very low tax rate.

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