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Fair point Praziquantel Send a noteboard - 10/11/2012 03:49:35 AM
You're betting on a similar tax code many years into the future. Who knows, maybe 30 years from now we have a 10% tax or something. You just paid at higher tax bracket now when you don't know what it will be in the future.

While that's POSSIBLE, I think taxes are probably near (my) lifetime lows atm, and only going to go higher with the debt and deficits the US is facing.

Besides, if I'm not owing any taxes right now, or fall in a lower tax bracket, I might as well go with the Roth (since the regular IRA deduction is worthless compared to future tax-free earnings in the Roth).
This message last edited by Praziquantel on 10/11/2012 at 03:50:24 AM
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Primer on 401(k), Roth IRA and related decisions Aeryn - 09/11/2012 10:14:16 PM 584 Views
how do you feel about 403(b)? moondog - 09/11/2012 10:48:41 PM 412 Views
it's the same as a 401(k) Aeryn - 10/11/2012 12:05:35 AM 543 Views
Nice post, and thanks. Praziquantel - 10/11/2012 02:34:53 AM 438 Views
That's actually brilliant. Aeryn - 14/11/2012 04:29:28 PM 441 Views
Roth IRAs are risky Dark Knight - 10/11/2012 03:06:02 AM 432 Views
Fair point Praziquantel - 10/11/2012 03:49:35 AM 405 Views
Not more risky than investing in a personal brokerage account Aeryn - 12/11/2012 06:09:32 PM 537 Views
Are you planning on going off to work on your own as an investment adviser? Tom - 10/11/2012 03:17:14 AM 418 Views
No, not planning on it. Aeryn - 12/11/2012 06:07:04 PM 425 Views
As a financial planner.... unstuckman - 10/11/2012 11:05:58 PM 1239 Views
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