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OP is pretty young though much harder to calculate the value.
And just to complicate that calculation, his tax bite today is likely much lower than when he reaches your, or my, august age.

i think in OP's case yes.

but for others the big complication is god only knows what the tax law will be in 20 or 30 yrs

wonder if i'm old enough to be 'august' (feel like i'm November)
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