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Message: [QUOTE="Stew Crew, post: 5283810, member: 12799"] Wouldn't it make sense to have at least enough income from traditional IRAs and 401Ks to at least get you through the 12% tax bracket? The 12% bracket goes up to around $94,000 for a married couple. Add on the $30,000 standard deduction, and you are paying minimal taxes on $124,000. Effective rate should be around 9%. That is much lower than the marginal rate you are likely paying upfront with a Roth. [/QUOTE]