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The problem with the TIRA/ROTH comparisons is they assume that you always will take out the money in equal amounts for paycheck-like stream of income. Unfortunately, that's not the way it always goes. You may need a large lump sum to pay off your house, pay the entry fee into a retirement community, etc. Or if you're really flush, perhaps even to pay college tuition for a grandchild.

The point is, if you need to pull $100k or more out of tax-deferred retirement funds all at once you will be in a high tax bracket no matter what. Pull $100k out of a Roth and there should be no tax issues.

For that reason, I fund my Roth fully every year and fund my 401k to the extent I'm able. Most of the money from a previous job's 403b has been rolled into an IRA. I've never had a TIRA except for the rollover.

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