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My issue with the Roth is that I don't trust the rules to remain the same in the future. I pay taxes now, before the money goes in, with the promise of tax-free
by brewdad 10y ago
My issue with the Roth is that I don't trust the rules to remain the same in the future. I pay taxes now, before the money goes in, with the promise of tax-free withdrawals. I fully expect that money to become taxable on the back-end at some future time. It might be a lower rate (like capital gains today) or be income-based, but that pot of $ will be too tempting to ignore, I fear.
- djrogers 10y agoSo worst case scenario is that you wind up paying the taxes you'd have paid if you didn't use the Roth? Not really a reason to not use one when it's only a possibility and not a certainty.
- hx87 10y agoIf things get dicey enough that they start taxing Roths, you can bet that they'll tax traditional accounts enough to claw back the original tax deduction plus interest.