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Another thing that throws more confusion into the matter is when you choose which investment vehicle to use you are basically guessing what your future tax rate will be. That is always hard to calculate because the tax laws and tax rates change so much that you really can't forcast what to expect when you will need this money. That is why you should always invest pretax to cut your tax rate right now. If you are in a postion to also invest additionally, then use a Roth as well because never paying taxes on the principle and interest is too good to pass up.
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