re: If you could rewind the clock and start over...

quote:

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If you expect a higher tax bracket in retirement than you are in now, you're doing it correctly.

If you expect to make less in retirement than you do now, you're doing it wrong, and should max out your tax deferred side, now.

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I just split it because I figure this is essentially unknowable for anyone under the age of 60. I mean, what you're saying is true, but so is: "If you expect the little ball to land on a red number, put your money on red..."