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MichaelZehr:

It sounds Like you agree with me, but have a couple of resevations. Nothing is certain for every individual. That's why I have a job, my clients need to personal service (I'm a Fee based Financial Planner).

Your statement: "There are some scenarios for which the taxable account is better. Generally speaking you need a high tax rate that you assume will also be high when you withdraw the money, and a time period around 30 years or more."

There may be some scenarios where a taxable account would be better than a retirement account, but I would be suspect of the assumptions. There are other consequences of non-retirement accounts, like capital gains increasing your AGI. This can cause bracket creeping resulting in a higher overall tax consequence.

There are many reasons to consider a Roth IRA over a 401K. One being a young people that expects to be in a higher tax bracket in retirement.

Thanks

Michael A

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