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You wrote, How is one supposed to know what the tax rates will be when one retires much less figure out what your tax rate will be upon retirement? That is the problem I am trying to figure out as to whether or not to cut down on the max 401k contribution and put it into a ROTH.

Like any good plan, it's just an educated guess... Probably one you'll have to revise from time to time.

- Joel
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