With a Roth, you're betting that your marginal tax rate in retirement will be at least what it is now.Based on personal experience, this is a **really** good bet.Based on my personal experience, I'd disagree. There is a very wide distribution of incomes (or expected incomes) in retirement. You need to look at the individual situation to make a recommendation about Roth vs. traditional IRA/401k.--Peter <== talks to 300+ people per year about their personal finances
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