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Same goes for a Roth IRS or any other tax free account

Do you really think taxes will go down in the future?  If everything stays the same, the only way your tax rate goes down is if you earn less income.  Do you really want to do that?

With Social Security and Medicare/Medicaid deficits and giant federal and state debts, I'm not sure taxes will be going down anytime soon.  That means these tips are worth even more!

One of the Best Retirement Deals 9 Out of 10 People Ignore

http://www.bloomberg.com/news/2014-05-08/one-of-the-best-retirement-deals-9-out-of-10-people-ignore.html