Putting money into a Roth I.R.A. lets you pay today's lower tax rates, protecting you from potentially higher rates in the future due to rising national debt.
Many retirees face higher tax brackets than expected due to diligent saving. A Roth I.R.A. avoids future tax burdens associated with required minimum distributions.
Roth I.R.A.s serve as insurance against future tax rate increases, as distributions are untaxed, thus securing retirement incomes from government taxation.
The risk of tax rates rising presents a potential threat to retirement security, making the case for Rothification timely and significant for future planning.
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