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One problem with this is that we have no idea what the tax code will look like in 50+ years, when the kid is pulling money out. It’s quite possible that Roth ac
by gnicholas 2y ago
One problem with this is that we have no idea what the tax code will look like in 50+ years, when the kid is pulling money out. It’s quite possible that Roth accounts (which are funded with post tax contributions) will no longer be tax free for withdrawals, for example. I could easily see this being walked back for high-income folks, as a way to pay off the enormous debt we are currently incurring.
- bombcar 2y agoThat's one of the things that people do plan for - by not allocating all resources to a Roth, for example. You can never predict all future tax changes, but you can be more flexible by having multiple different "stacks" that you can utilize when you want.