<<Spreadsheet calculations are the best way to decide.>>Sorry, but spreadsheet calculations do not (and cannot!) take into account the political realities and the likelihood of the Federal government reneging on the deal, and taxing (either directly or indirectly) ROTH withdrawals 2 or 3 decades from now.To me, it seems highly self-delusional to voluntarily pay taxes now in the fervent hope that doing so will let me avoid paying an equivalent tax 20-30 years from now. That's 10 or 15 Congress's and 5-10 presidents away.Ray
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