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In looking at the two scenarios here is how I see the two. The IRA is the only option that may help lower your taxes in the present. In the future you probably won't know what rate of taxation you will pay when you pull out the funds.

With the Roth IRA there is no tax savings in the present. However in 35 or 40 years from now there will be zero tax when you pull the money out. Therefore if you need exactly $10,000 in 2045 you can safely predict that you can obtain that money by withdrawing that exact sum from your Roth IRA.

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