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[QUOTE="Stew Crew, post: 5284957, member: 12799"]
Thanks for the reply.  Maybe I didn't frame my question correctly.  My question (or premise) is that a married couple should have enough taxable income in retirement, regardless of source, to cover the standard/itemized deduction, and the 10% and 12% tax brackets.  Of course, this assumes they were in a much higher marginal tax bracket when contributing to a traditional 401K.  I guess that also assumes no contribution to a traditional IRA, as the contributions likely would not be deductible.  It also assumes that for every $1 of traditional 401K contributions, I can afford to contribute roughly $0.60 into a Roth after accounting for the upfront tax payments.

I don't understand your comment questioning why I am looking at tax brackets.  Part of retirement planning is minimizing tax liability, i.e., maximizing available income, over a lifetime.  My wife and I are currently in the 32% bracket.  It seems silly to contribute solely to Roth products and then have no taxable income in retirement when I can pay 9% on the first $125k or so.  I do admit that my initial premise does not consider impact of state taxes but 9% vs. 32% seems like a no brainer, regardless of state tax implications.
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