MadCapitalist: "I prefer the Roth IRA because it is less risky. This is because I know what the tax consequences will be."Until Congress changes the law. I fully expect that one day Roth IRAs will be taxed just like non-deductible IRAs. There will be much hand wringing and cries of crisis, etc., but the only question for me is when, not if."With a 401(k), you have to worry about what Congress will do to tax rates well into the future, as well as guesstimate how much you will be making."I fail to see why this guesstimating is any different. Regards, JAFO
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