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I disagree with that premise:

Posted on: April 25, 2017 at 10:12:42 CT
tigerdb MU
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"if a person plans his/her retirement properly their tax rate in retirement is not significantly less than what it was during working days"

I guess that's a given if one is currently in a low tax rate, but barring a pension, a higher % of income is passive investment, which is treated more favorable.

The benefit of a roth, is that what would be ordinary (retirement stream) is not taxable - putting one in a lower tax bracket for income that is subject to regular tax rates.

Planning is a continual process - if trump were to lower the rate to 15% (which he won't), it would certainly be a great opportunity to convert those regular IRAs to Roths.
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GOP looking at punishing those saving for retirement - Hbombtiger STL - 4/25 08:36:19
     Goldman Sachs will get tRump squared away on this one - tigerdb MU - 4/25 09:53:55
     That would have been great for me. - Alferd Packer MU - 4/25 09:29:37
     learn to read. - dangertim MU - 4/25 08:57:56
          The intended 15% tax has no positive that I see. - Mo Texan MU - 4/25 09:38:04
               I disagree with that premise: - tigerdb MU - 4/25 10:12:42
                    Can only speak to my experience which does include - Mo Texan MU - 4/25 10:30:02
               are you saying you don't see positives in Roth plans?(nm) - SuperTone MU - 4/25 09:46:15
                    A Roth would be an example of my last sentence point(nm) - Mo Texan MU - 4/25 10:02:29
               End taxation. (nm) - ummmm MU - 4/25 09:41:04
          i.e. we are broke now, and we want to continue the - ummmm MU - 4/25 09:19:00
               lol, that is true. this is classic kick the can down the - dangertim MU - 4/25 09:20:05
                    Or, how about we cut social programs and defense spending - Hbombtiger STL - 4/25 09:28:17
                         All the libs want to balance the budget on the back of - Alferd Packer MU - 4/25 09:33:40
                         Def cut social programs - mizzouSECedes STL - 4/25 09:30:51
                              We spend far too much on defense and it's a waste really - Hbombtiger STL - 4/25 09:49:49
          which would be fine if we get a simplified tax code - SuperTone MU - 4/25 09:02:13
               yup, don't want to trade lower taxes now for higher - 90Tiger MU - 4/25 09:12:42
                    i'm planning on having a lower income during - SuperTone MU - 4/25 09:27:54
                         i'm praying to get out at 60 (nm) - 90Tiger MU - 4/25 09:31:50
                              arent we all. (nm) - DC Jayhawk KU - 4/25 09:33:44
                                   no. most will work until they die, get laid off and can't - 90Tiger MU - 4/25 09:49:33
                                        To be clearer - DC Jayhawk KU - 4/25 10:26:23
                                             it's depressing too - and didn't mean to be snarky in my - 90Tiger MU - 4/25 10:35:07
               that's a very good point. I'm not sure what my current - dangertim MU - 4/25 09:08:13
                    i'm 50/50 into 401k/roth at this point until - SuperTone MU - 4/25 09:27:22
                         just let me know when you got that weed ETF rolling - dangertim MU - 4/25 09:32:15
                              Shouldn't be long. Right now I'm stuck with individual - SuperTone MU - 4/25 09:47:06
                                   I'm not seeing Sessions going along with it TBH(nm) - dangertim MU - 4/25 09:53:50




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