"don't trust them to keep Roth's untaxable any more than I trust them to leave the SS retirement age at 65 (oops - they already changed that didn't they??- with more changes to come I'm sure.)"--------"True, but they have never taken away a benefit that has already been bestowed on anyone. In the case of social security, they may delay or cancel benefits that you were supposed to get, but they will never reduce benefits already given."----------Remember when social security benefits were not taxed? Remember when anyone, regardless of income, could contribute $2000 pre-tax to a traditional IRA?They can change anything they want. When Roth distributions start totaling big $$$ and Congress needs money to reduce growing deficits they'll figure out a way to tax Roths too.
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