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< ...snip... I tend to prefer "a bird in hand" with current deductions, because then I know what I am saving. Paying taxes now, if I am not obligated to, in order to save on future taxes ("two in the bush") is to much like betting on the come for me....snip...>

JAF,

Nice post and I'll agree there is a big difference if you look at a deductible versus after-tax IRAs ( I assumed after-tax based on the question). But I don't equate paying taxes now to betting on the come. Realistically, if the rules on Roth are changed, so will probably the rules on Roth and 401(k) be changed too. But I am willing to bet that money I put in now will stay tax-free, only future contributions will have the scenario you so rosily paint :)

GP

GP
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