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Message: <blockquote data-quote="OrionsBitch" data-source="post: 4279840" data-attributes="member: 65132">It’s a hedge against income tax to use a Roth IRA or 401k...if you were 21 years old would you think the income tax would be higher or lower by the time you reach 65? Judging by the morons running for office I would be it would be higher. I’d rather pay tax up front and know what I’m going to have upon withdrawal than save my whole life “thinking” I know what Ill have only to find out income tax is now 65%...I think a mix of both is best, also having an HSA is a really good idea as it’s triple tax advantage and most providers allow you to invest that money after a 2k balance. Meaning it’s the only true “savings” account that doesn’t get taxed in any way.</blockquote>