Not really true because of the Required Minimum Distribution that's associated with all traditional IRA's, which require you to make calculated withdrawals on an annual basis, once you reach (I believe) 70&1/2 years old. So in effect, depending on how large your IRA has grown to, you could actually find yourself in a situation where your taxable income could be higher than it was when you were actually working, thereby increasing your tax bracket, and of course then increasing the taxes you pay.

That's another reason for starting out with a Roth IRA, because (again, I believe) you aren't hindered by having to ever withdraw funds, if you don't want to, and if you do withdraw, it's tax free, both for you as well as your heirs. A real cool deal.

The best way to retire comfortably is to: 1) stay married to the same spouse (no matter how much it hurts; 2) regardless of what house you own, pay off the mortgage as quickly as you're able; 3) eliminate all other debt, starting with credit card debt, then going on to student loans, etc, etc, until you're completely debt free; 4) Unless you're living hand-to-mouth, make sure that each and every month you pay yourself first... that's to say you should be saving as much as you can by contributing to your company's 401K plan, using payroll deduction, so you don't miss those monies; 5) Review your financial situation every 5 or 6 months, making sure that you're invested in a way that allows for some growth as well as preservation of assets, but that also allows you to be able to sleep at night; 6) If an investment sounds too good to be true, it probably is.