[jyl]

Originally Posted by Noah930

I think biosurfer is right when he writes that the decision is too complicated and individual to give you proper advice on this forum. I also think that Masraum is correct on the taxation today of your withdrawl at your current marginal tax rate. So I think to put it somewhat simplistically: what is your current tax rate? What do you anticipate your tax rate to be when you're retired?

I used to think that taxes only rise as time goes by. So I'd rather be taxed today, as opposed to decades later. But I've also come to realize that we live in a country in which the lower end on the income spectrum will never be taxed (on income). So I'd rather pay 22 or 24% income tax when I'm retired, as opposed to 30-some percent today.

I’m no expert on IRAs but what you said is my understanding of it as well. Also note you can move to a lower tax state for retirement.