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Reply to "What is the deal with a Roth IRA?"
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[quote=Anonymous][quote=Anonymous]Our HHI is $250k. We do not put in Roth IRA TSP because we benefit from the lesser taxable income from contributing the max to our TSP. I don't anticipate being in a higher tax bracket in retirement as we will not have any income then. But I did not realize the other benefits mentioned in the previous posts. Thanks for the tips. I will do more research.[/quote] I'm the PP, and I'm pleased that I thinknI may have something worthwhile to add here. I think a lot of the reason why people think a Roth may be preferable even if you [i]think[/i] you may be in a lower tax bracket when you retire is due to an expectation that taxes may have nowhere to go but up- meaning that even if your income is lower, you will still be in a higher tax bracket when you retire than you are now. Do I have that right, people that are way more knowledgeable than me.[/quote]
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