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Scenerio 1.
$2,000 paid into a Roth IRA for 30 years.
10% return.
$560 tax paid (28%) each year.
At the end of 30 years you have $361,886 to retire on.

Scenario 2.
$2,000 paid into a regular IRA for 30 years.
10% return.
You invest the $560 tax you didn't pay and earn 10%.
At the end of 30 years you have $361,886 in your IRA.
Assume you withdraw over 10 years at 15% tax rate.
Your tax is $5428 in the first year.
You also have $101,328 in your second account that was funded from your tax savings of $560 each year.
As you can see, even a secure CD will more than pay the taxes on your withdrawl from your IRA, and, you'll still have the $101,328 in case you live longer than 10 years after retirement (a good bet).

Rule #1. Every chance you have to defer taxes - do it!
You will spend or invest your money much better than the government will.
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