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It is wise to have some Roth, though with our current tiered tax system, it's fairly likely that you will pay less than 25% in taxes on IRA withdrawals if you have little other retirement income as I do.

If your current marginal tax rate is 15% or lower, I'd go all Roth. If your current marginal tax rate is 25% or higher, I'd go some Roth and some traditional.

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