On the regular basis I see the posts like that advertising either opening new Roth IRA account or even transfer your existing 401k or IRA into Roth.

I was running calculations myself few times in the past. I don’t see how paying taxes now is better than paying them later. I castrates your saving from the day one no matter what happens next.

There is only one case when Roth is better – if you have many deductible kids and huge mortgage, i.e. your taxes are very low now but will increase later. Otherwise it makes no sense.

Someone just want you to pay taxes, and want your tax money now rather then later. And some people are paid by this someone to bu1lshit you.

Whatever, I’m screwed even more, I can’t deduct any IRA at all.

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