His rate was so low because, IIRC, he had a boatload of equities that he knew were going to be worth a lot more in the future and he parked them in a Roth IRA.

His rate was so low because, IIRC, he had a boatload of equities that he knew were going to be worth a lot more in the future and he parked them in a Roth IRA. Not exactly a strategy open to your everyman even if we can all open our own Roth IRAs.