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<< (Fully quoted, per Pixy's request)...
Actually KAT has already weighed in on this issue which I raised in one of my posts. Evidently, the way the law reads right now, ROTH distributions are NOT part of income when calculating the tax on SS.

How long that lasts is anybody's guess.

I for one don't see it changing for the Roth per se. My guess is ultimately the Congress will simply tax Social Security on 85% of that received from the very first dollar paid. There will be no test or anything else to worry about. Quite frankly I don't understand why they have waited so long to do so. It's a juicy pot to tap, but I think the fact that seniors vote keeps them chary of doing it. Nevertheless, I think it's coming.


You think full taxing of SS is coming....despite the fact that the SS payroll "contributition" (FICA) is after tax. IOW, it will be taxed *twice*, once going in and once coming out.

Given this, how strongly do you feel that they won't somehow manage to do the same thing with the Roth? After all, 30 years from now is 7 Presidents and 15 Congresses away--something tells me that they won't feel stongly obligated to honor the intentions of today's Congress and President.

Note: I doubt that it will be done in one fell swoop, after all the SS tax went from 2% to 15% in small stages over 50 years.

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