No. of Recommendations: 1
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.

2gifts is not eligible for a Roth IRA. That fact is a good indication of what tax bracket she is in. As current tax rates stand and with proper financial planning, it is very likely her tax rate in retirement will be lower, possibly quite a bit lower. Although tax rate may go up in the future, they would need to go up quite a bit before exceeding her current tax rate. Also she is closer to retirement than starting out in the employment world.

PSU
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