Originally Posted by La literatura
Please read more carefully.
Ok, I misread that. So where are you confused, because a Roth IRA (taxed on front end but not on back end) is the opposite as a consumption tax (untaxed on front end, taxed on back end)? You should be using a traditional IRA for your examples, but even then you aren't dealing with IRA limitations and early withdrawal penalties.
"Well, it is one thing for Bill Clinton to say, I feel your pain. It is another thing for Barack Obama to say I feel your pain that I have caused." - George Will