Originally Posted by sailfish
I originally started this thread, and it appears that it is really a question of doing the math. If RMD's don't push total income over the 15% bracket then stay the course. I just can't get myself to pay tax now to put in a ROTH. If the Bush tax cuts don't get continued then it will cost more later . It was great getting all the responses as this issue probably affects a lot of us boomers.
If you expect your tax rate to be the same in retirement as it is now (on funds you may convert to a Roth), the Roth still comes out ahead with a better after-tax value held in the retirement account. Same dollar amount in the account, but none of it has to go to taxes. But surely taxes won't be going down from current rates in any foreseeable future. The tax diversity gives you a little flexibility in the future too.