re: Retirement

quote:

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While that is true, I have a real hard time figuring out a normal situation where that would actually happen

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How about this:

A Roth can shield you from the highest tax brackets.

You can pull out money from your traditional, and pay a fairly low tax rate, and then when you hit the thread hold of a high marginal rate, switch to a Roth.

Would pretty much apply to everyone, and the affects become pronounced starting in the mid to upper class environment.

Not everyone should primarily put money into a Roth.

Everyone should put something into a Roth.