I suspect that you will not be eligible for a deductible IRA (but you spouse may be) so the Roth may make be the only real attractive alternative. The big question to decide about the Roth is if you will be in a higher tax bracket now or when you spend the money. Some states have special treatment for government pensions so this might be a factor as well. Likewise if you might retire in a higher or lower tax state that can also favor different account types. Some unusually fortunate people may very well be in a higher tax bracket the day they turn 65, but even these people will likely not be in as high a tax bracket by the time they are halfway through retirement at the age of 80(assuming that they plan as if they will live to be 95). Many people plan on having a paid off house by the time they retire. If this is the case for you then that will also reduce the amount of income that you need in retirement, which will help, keep you in a lower tax bracket then. You will also not be paying social security taxes then either. My gut feel is that the majority of people won't have the "problem" of having so much money over 30 years of retirement that being in a high tax bracket will be a big a big long term problem. Likewise, setbacks happen and having to unexpectedly retire ten years early could put you in a much lower retirement tax bracket than you expected. Personally I'm taking all the tax deductions I can now, and when I get close to retirement, I will look to see if I can plan a few low-income years to roll some of my money over to a Roth if it looks like high taxes will be a problem. Greg
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