There's another risk with Roths that's not often mentioned, but I believe to be very real. Roth withdrawls will be tax free only as long as Congress doesn't change its mind. How long were Social Security benefits tax free? Then Congress finds they need to raise revenue and finds a target in this formerly tax-free income source. Then they get hit a second time (raising the max amount taxable from 50% to 85%). Even the latest tax cuts didn't consider reducing the tax on social security.In 15-20 years, with baby boomers in full retirement mode and social security straining to meet it's promises, all that tax free Roth money is going to present a pretty tempting target.--Peter
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