Q: “What if tax rates go up 20 years from now? You have to Roth everything you can, now!”
A1: What if tax rates go down in 20 years?
A2: What if the tax brackets index up every year which further favor tax deferment today?
A3: What if the government means-tests the value of Roth accounts for later tax treatment, Medicare premiums, or social security benefits?
A4: What if you live in a high tax state and move to a low or tax free state during retirement?