StockGoddess: "Tax rates, despite what the Republicans are telling you, are at a 50-year LOW. With our yen for spending and our deficit there ain't no where for these rates to go but up.I sleep better at night knowing that's not yet another unknown I must factor for when planning my retirement.Roth. All the way."Do you lose any sleep thinking about FairTax or other national sales/consumption tax programs? It would clearly require taxes on money withdrawn from a Roth xyz and then spent on consumption.Regards, JAFO
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