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My contributions are made at my marginal rate. My withdrawals will be made at my effective rate.

No, withdrawals are made at the marginal rate.

You keep saying this, but it is wrong. If you withdraw an additional $100, you pay 12%/22%/24% additional tax, even if your effective rate is 7%.

All you need to do is google it. "The marginal tax rate is the tax rate paid on the next dollar of income."
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