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I guess there is something aout ROTH IRAs, 403Bs, beeing untaxed that makes me look for ways to get $$$ into them.

While withdrawals from Roth IRAs are untaxed (at least for now), traditional 403(b) accounts are tax deferred, not 'untaxed'. You save money on the taxes now, but you pay ordinary income tax when you take withdrawals.

I fear higher Cap gains and taxes in general in the decade or 2 ahead.

Fearing significantly higher tax rates in the future would be an argument for paying taxes now, rather than deferring them, since you can pay at the current rates, which you believe are lower than future rates will be.

I assuume ROTH's protections will be preserved.

Just like SS was never supposed to be taxed? It's Congress that makes the rules. Now, tell me again what your assumption is?

AJ
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