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Be careful using the marginal rate.
A couple earning $50,000 is in the 28%
tax bracket but pays about $5,800 in
tax. An average tax rate of only 12%.

If an IRA is your only taxable income
you get the tax deduction at the
marginal rate, 28%, but pay the average
rate, 12%, on withdrawals.

The only case I've seen where a ROTH
is a no-brainer is estate planning.
For retirement planning ROTH v. Regular
makes my brain hurt.

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