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I'm 26 years old and contribute to a 401k. Let's say I open a Roth IRA. (Starting young, very Foolish) Let's futher say that in 10 years or so, I am no longer able to contribute to a Roth IRA due to my income. (Dare to dream!!!) Then what? Are all my IRA options used up and/or am I stuck with regular taxable accounts?

Also, unrelated question, the Roth vs. Traditional IRA calculators use tax rate at retirement as a parameter. How the heck do I know what my tax rate will be at retirement??
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