re: Future Tax/Investment Question

Part of the problem is, who knows what the tax law will be in 20 years. From time to time, there has been talk of making certain types of loan forgiveness not includeable in income (such as certain medical and teaching loans, if you work in certain areas). But who knows if that will actually happen or not.

Another thing to consider - will your ordinary tax rate be more in 20 years than it is today? If you think the tax rate in 20 years will be much higher than it is for your today, it might make sense to do some sort of tax-efficient investment.

There are calculators out there that you can use to model different growth rates, tax rates, etc. Take some time and play around with them.