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Davidholl said:

<<I think you should figure on being at a lower tax rate after retirement. I would use 15% instead of 28%.>>

And TMFPixey replied:

>>That's a generality that will get too many folks into trouble.<<<

To which I add: Well said, Pixey! I, for one, plan on retiring to a *higher* tax bracket.... or at the very *least* the same bracket. And that's only if I screw up reeeaaal bad.<g>

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