Our completely unrepayable debt and comically unpayable long term unfunded obligations are all the math you need to know. Meanwhile there are trillions of sitting duck dollars in all these affluent middle class retirement vehicles, the vast majority of which belong to the upper 51%.

They are coming for your money, and they will get it. One way or another. They will tax it, and they will take it in ways they don't call a tax. They will inflate it away and they will use what you have left to means test you out of other benefits which is the same as a tax.

Save, diversify and pay down debt. That's all you can do. You won't be getting any "tax free" income in a couple decades. And if you do, it will trigger financial hits every bit as expensive as a retroactive tax on what you thought was going to be tax free. The masses will vote for your money, one way or another.