audreyh1
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
It was moot for me. By the time Roth IRA was available I was making too much for either myself or DH to qualify.
I'm one who has a much higher total income in retirement yet my overall tax rate is lower because most of the income is in qualified divs and long-term cap gains. The ordinary income is much lower, and low enough to be well under the 0% cap gains tax threshold.
I'm one who has a much higher total income in retirement yet my overall tax rate is lower because most of the income is in qualified divs and long-term cap gains. The ordinary income is much lower, and low enough to be well under the 0% cap gains tax threshold.