Originally Posted by bugman61

hillarious.

Do me a favor. Run the numbers on 100k invested pretax with whatever rate of return you want for 10 years. Then withdraw at a 30% tax rate. Then do the same thing with paying 30% tax up front, same growth rate for 10 years. Let me know which is better. I’ll give you a hint it’s exactly the same. You don’t gain anything by investing your taxes if the rate coming out is the same.

Of course there are other factors like capital gains and that’s where assumptions on rates of return and future tax brackets come in. But deferring just to defer is a fools errand.