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"I don't trust the government at all on this. I would not pay a large tax bill now and cross my fingers. Depends on someone's age and other variables."

I don't go that far but I do assess the risk of government changing the rules along with all the other risks that accompany investment choices.

To that end, I do have a comparatively large and growing position in non sheltered investment accounts that grow (I hope) in value with manageable tax costs - i.e., Berkshire Hathaway, some tax exempt municipal bonds, relatively low dividend growth stocks, etc.
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