Would you be sorry or just indifferent?
+1. That describes my situation, too. Prepaying taxes now and finding our portfolio is heading toward the X-axis in 15 years and I could use the dough I gave the IRS would be a cause of regret.For me, I'd definitely be sorry if investment performance is lower than expected because that scenario can adversely affect my quality of life (particularly so if we're hit by negative returns just as I'm taking my RMDs).
It's the scenario where I go up in tax bracket where I'd be indifferent because in that case, I'd just have more money than I know what to do with.
Yes, it would be unlikely for us, too (thankfully). But if it happens, it'll be a doozy and I'll be looking for all the flexibility that some extra $$ in the portfolio might provide.IOW, in my situation the scenarios in which it will have been a bad decision are very unlikely.
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