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I am assuming that you are in a 28% or higher tax bracket now. I can reassure you that in retirement the concept that you'll be in a lower tax bracket is not accurate. Once you start taking distributions from your tax-deferred accounts, it will be difficult to stay in a low tax bracket. But, I would rather have that problem then be stuck in the 15% bracket with no chance of getting out of it. You are fortunate that you have time on your side to accumulate wealth for your retirement. It sounds as if both you and your husband are taking full advanage of your tax-deferred moneys. Be sure that you fund both of your Roth's each year. It is a great estate planning tool for your children and grandchildren. If you want to invest in post-tax dollars, of course Roth IRAs are the best, next best are growth stocks that pay no dividends, like Berkshire Hathaway. You pay no any taxes until you sell. Annunities are an insurance product, and are very expensive. Avoid if at all possible. Buying growth stocks are better for you than annunities for post-tax dollars. I am a leader of a Retirement Planning Study Group and we discuss topics like this all the time. I am a retired science teacher and spend alot of time reading and studying these topics.
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