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<<If, for example, Social Security and/or Medicare ever become means-tested (a very real possibility, IMHO), then having a ROTH will probably reduce your SS check. Guess what? Your ROTH won't be taxed, but the net effect will be the same as if it was.>>

IMHO there's not a doubt in the world that at some point Social Security will be means tested for benefits above some minimum level and Medicare premiums will be increased for the "well-to-do." But that's not a reason to avoid the Roth for something else. All assets will be rung into the test, so it doesn't matter. The only way to avoid it will be to spend down the assets ala the methodology may used to use to qualify for nursing home care under Medicaid. And Congress closed the latter loop hole last year.

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