If you don't mind my asking, what kind of income are you talking about if you are not gonna be in a lower tax bracket in retirement? Different question since y

If you don't mind my asking, what kind of income are you talking about if you are not gonna be in a lower tax bracket in retirement? Different question since you seem not to like tax deferral. What makes you not like tax deferral and compounding on the extra ~25% of dividends you keep? I can't do much about when I'll die. I do advocate for 'living now' btw. If you can do that 'trip around the world' now or put money into a pension fund, do it now. Don't wait, have kids and tell yourself you'll do it when you retire. That day may never come or you might not be up to it any longer for various reasons.