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"Our tax rate is 15% so the tax savings isn't substantial."

"This must mean your adjusted gross income is low, so that means you are eligible for a Roth in the first place. "

This would depend on your definition of low. In 2004 a married couple with an adjusted gross of $74,000 will be in the 15% bracket even if they just take the standard deduction. Throw in personal exemptions for a couple kids and the 15% bracket goes over $80,000. Not low by the average worker's standard. Believe it or not most people get along pretty well without a six figure income.

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