Is It Better to Contribute Now to Tax Rates to Day Than Tax Rate in the Future?

There are some things that are unique to retiris, or at least people ever yetiremant age. For example, a medicar has income based premium surcharges tha may apply starting in the year you're 63. So it's impossible to answer with precision what the right answer is. But that's what it ultimately boils down to. Are you gambling that your tax rate in the future will be lower than it is now, or it's gong to be higher?