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Unfortunately these projections assume that the tax rate stays the same.

I absolutely could be wrong but I believe that tax rates will be higher in the future. Social Security problems, some sort of national health care reform, getting the deficit under control, etc.

My assumption is that any money already contributed to a Roth will be grandfathered even when and if they stop allowing more contributions in several years. (Roth is such a Golden Goose -- I don't believe they will allow it for more than another 15 years or so!) So money contributed now, even at 28%, will be worth more, compounded tax-deferred, in the future when I withdraw it than similar money compounded and taxable at 30...40%.

As I said, I may be wrong. But I look at our society and wonder where $ to pay for some of the social engineering I see as needful will come from. I only see higher taxes as the answer. Be afraid. :-)

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