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The Importance of Retirement Planning
If you are a young person and you do fall in less than that 25% marginal bracket, I think that Roth is a no brainer almost because it's going to be so valuable for you over the long term. Bo: Age does have a huge impact. The second thing is governments typically right into the tax laws, big breaks for older people. So why pay it at these higher rates now while you're working when it could be lower in the future?