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With the recent changes in the tax laws, I would prefer to pay taxes on capital gains and dividends rather than having money taxed as income. The "advantage" may no longer be universal.

I think I said that. In your situation, for example, or for many who work and have a high income, it may well be better to invest and reap rewards WITH capital gains. However, as a retiree, with a very low bracket, I find it great to be able to "play" within my IRA and maybe pay NO taxes on money I withdraw, depending on deductions on my income taxes.

We all have to do our own careful digging.
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