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Good, I've finally come up with an excuse to post to this newsgroup and maybe even get a reply from one of those neat people with the TMFs in their names! Whoo! :-)

Two things I keep hearing about Roth IRAs: They're for me if it's a long way to retirement and "if I don't expect to be in a lower tax bracket when I retire."

The first one I understand well enough. If I was, say, about to retire next year, surely I wouldn't want to convert now and pay all those taxes, Shirley. :-) It's the second one I don't understand. I'm 30 years old and retirement is yet a long ways off. Why on earth would I want to turn down unbridled, tax-free growth for all those years, regardless of my tax bracket at retirement?

This must be one of those annoying questions everyone keeps having trouble fitting their mind around, like why you should always switch doors after Monty Hall opens up the first one you didn't pick. ;-)
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