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jeffbrig writes,

Ok, you're right, it's still tax rate. What I was trying to get at is that "tax rate" is used by most to refer to a number in a tax table. Which is not quite the same as the blended tax paid. The typical roth vs traditional argument usually compares only marginal rates and ignores the blended concept.


I agree. What I'm looking at is the annual dollars I pay in taxes this year, and in future years. My goal is to reduce the cumulative amount lost to taxes over time.

My strategy has been to minimize income pre-age-65 in order to maximize my Obamacare tax credits. Then do Roth IRA rollovers from age 65-70 to trim the size of my IRA required minimum distributions at age 70. I'm also delaying Social Security until age 70.

If I do nothing, RMDs at age 70 will likely push me into a higher tax bracket.

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