We were having the same discussion at work this week.Consider this, if you make $100k in 2013 as a married couple, you will pay 25% in federal tax by shifting dollars from a traditional IRA to a Roth.OTOH, if you are retired and pull $100k from a traditional IRA in 2013 with no other income, you would pay $11,800 in federal tax or 11.8%. In this simplified scenario, a traditional 401k wins by a landslide.Due to our tiered tax system, we are likely pay a lower tax rate in retirement if you have little other income.Of course, RMDs and future tax rates add uncertainty.My advice, go all Roth if your marginal tax rate is 15% or less. Go with a mix of Roth and traditional if your marginal rate is 25% or more.-murray
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