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If your tax rate is the same as before, 20%, after taxes you have....


It comes out the same.



Also true. I just happen to believe that 15% is best rate I am ever going to see. But the government may surpise me and lower taxes to go with all that lower spending they are so famous for.

Plus by doing some each year, I build up a war chest of after tax money that I can access at will in those years where its time to replace my $35,000 truck. To do a TIRA withdrawal in such a year would push me into marginal rate much higher than 15%.
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