No. of Recommendations: 3
It's a wash.

As you noted upthread, it's not a wash if your tax bracket changes in retirement, which it does for almost everyone.

Typically, in your earning years you are in a higher marginal bracket, making it better to hide money from the tax man at that point. In your retirement years you are quite likely to be in a lower marginal bracket, making it better to pay taxes then.

Personally, I have gone from the highest possible bracket during my peak employment to either the lowest, or zero in a few years by arrangement of my income. I am getting close to the point where I will have RMD's, but even so the tax bite will be far lower than it would have been 20 years ago.
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