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I somewhat disagree with that, and here's why: You don't know what your tax rates will be in the future. In fact you don't know what any tax rates will be in the future. But it is a reasonable assumption your tax rates will be lower in retirement than while you are working.


Our tax rate right now is the lowest it's been in 50 years, despite the doom and gloom of the far-right. Eventually we'll have to tackle that deficit.

My view (and it is just a view) is that both tax rates and interest rates have nowhere to go but up, as low as they are. I like the security of knowing what I'll get, regardless of what insanity future congress critters may inflict on the populice. I have money in both but see the ROTH as a hedge against tax-inflation...

But your mileage may vary.
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