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In response to "Can ST confirm my understand: The benefit of a Roth IRA is that I pay the tax now but everything else in that account will be tax free? Traditional " by James Bond (aka Igor)

Probably not worth it for this amount of money but you also have to factor in inflation. Money today is more valuable than it will be when you retire

So the amount you save in taking the tax hit today may or may not be greater than the value you lose over time to inflation

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