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If you're young and your marginal tax rate is below 25%, yes, Roth all the way, but I firmly believe that it's a great idea to defer taxes of 25% or more.

Well said, Murray. But keep in mind the need to make those payments last for your lifetime probably keeps your balance large. But mandatory distributions in a traditional IRA at age 70-1/2 can take a big hit--especially if Social Security payments are taxable and consume your lowest tax brackets.

It is probably a good idea to use some of that surplus 15% bracket you describe to do partial Roth conversions and minimize mandatory distributions when you can.
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