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[quote=Anonymous][quote=Anonymous]I think it should count too.

But this is also why you're not going for free on the under 200k income.

I personally think retirement and primary home should count. You can withdraw from ROTH for college tuition with no penalty and you can take out a loan on your house easily enough.  the idea that they can't be touched is ridiculous.

Add up ALL the numbers and take a smaller percentage.  That makes a lot more sense to me than, ignore the 4mm house and the 4mm dental practice, and the 4mm retirement and only look at the 400k in that one account and - oh, how lucky - you didn't take a salary draw last year last year and left it in the business account. . [/quote]

Totally agree. There are too many gimmicks to avoid paying. So you get people paying too little ruining it for those who need the help. An acquaintance of mine was bragging on a semi-public message board about how brilliant he was for gaming the system. I wish he channeled his brilliance towards the greater good.[/quote]

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