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Is there something I'm missing here?
If you compare a Roth to a standard IRA over time, starting with same amount of money to invest, doesn't it only make sense to open a Roth if you're in a lower tax bracket now than when you are retired? Doesn't seem like it would be a common scenario.

I can see why the government would like to get their hands on my money today. The investment companies would probably like me to make a few transfers as well.

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