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I stated on another thread that you are taxed twice in a non-retirement account 1st when you earn it, then on the capital gain. In a retirement account you are taxed only once, when you take it out.

I'm not disputing the advantage of a tax deferred account, but there's not really double taxation occurring. While taxes are due at two different times for the after tax account, the same dollars aren't being double taxed.

In the after tax example, you pay tax on your contributions now, and the earnings later. In the pretax, you still pay both the taxes (on contributions and earnings), only later.
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