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"It's just an arithmetic problem. If your tax rate remains the same, it doesn't matter if you take out the taxes at the start of the series by investing in a Roth, or at the end of the series by doing a traditional IRA. Your after-tax total is going to be the same. So the answer to the question, "Would you rather pay Uncle Sam today or pay him 45 years from now?" is, "It doesn't matter."

Well, it all depends if you think that your tax rate will be lower in retirement than it is now.

Luckily for me, I have some SS...a teeny weenie pension.......and most of my 'income' from investments is capital gains taxed at 15%. Haven't had to touch the 'capital' as it spins off more than enough.

At age 70 1/2, had to take my RMD, but only 20% of my assets are in the IRA, which was a roll over from the company 401K.

The income is enough, though, to put me in a higher medicare premium category, though......which is a pain.......

then again, if I don't spend the money, my sister, niece and nephew happily will.......

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