From what I can tell, people don’t want to learn, they have a warped view of taxes at all which drives their furor I disagree about the Roth IRA being unavaila

From what I can tell, people don’t want to learn, they have a warped view of taxes at all which drives their furor I disagree about the Roth IRA being unavailable to him though. He listed it as an asset on his New Zealand citizenship application and it didnt hurt. If push comes to shove he can take any amount out of it and pay the “penalty” which is income tax + 10%, so worst case in this country is around 60% on the portion taken out if the tax residency - that specific year - was in a high tax state instead one of the many zero income tax states where it would just be 47% or so. Some European countries have it worse at relatively low amounts.