Originally Posted by
Pineapple Guy
Bingo. And I think a Roth should be part of that for virtually everyone. If the guy is in a low tax bracket today, it's a no-brainer, imo.
If the guy is in a "high" tax bracket today, because he's making $250k+, he's likely gonna be in a "high" tax bracket in retirement. Guys who make $250k while working are likely gonna be making decent six figures in retirement, unless then plan to keep it all inside their IRA and hand it off to the kids.
And considering our government's inability to balance its budget, and our populations general inability to save for retirement, the marginal tax bracket of today's $250k earner may or may not be higher than that same guy's marginal tax bracket in retirement, when he's pulling out $100k.
Diversification. Just something to think about.
I am not sure you can make the leap of logic you made here, but nonetheless, savers should do their best to plan to succeed rather than plan to fail. It remains very possible that the .gov can pull the rug out from under the best prepared.