Reply To: Question: Which is better, the regular IRA or the Roth IRA?
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One thing missed in the earlier discussion example and which is touted in program brochures is that with traditional IRAs and 401Ks where the tax is deferred, you would be including that amount (25%) in the investment and so it would be earning you money till retirement. So, it is not just the simplified pay the U.S. his share now or later. Pay later and you have more money working for you, pay now and you have less money working for you, but you no longer need to pay the U.S. later. Your tax bracket now versus later also is part of the picture.