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<<<The 28% now is all you ever pay on the Roth while the 15% in the future is on the inital input and ALL the increase. If you have a 12%
per year overall growth rate it doesn't take many years before the total dollars are quite a bit more with the 401K.>>>

"That is an excellent point. The marginal rate today only applies to contributions, while the future effective rate is on contributions + earnings. With a Roth, you avoid all taxation on your earnings. This would make the Roth better for a longer timeframe."

Unless Congress mucks with the IC or adopts "fair tax" or some other national sales tax.

Regards, JAFO
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