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One example of how it should be very clear that a traditional IRA would pay more than a Roth would be to assume that while you are working and making contributions you are in the 15% tax bracket, and when you retire and taking distributions from the IRA you are in the 28% tax bracket.

Oops.... I think I got that backwards. It should be contributions at 28% and distributions at 15%. Then a traditional would make more sense.
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