[quote=carlsbadworker]
Lastly, just to point out, when AN said “15% of the $1.8M is $281882. So, you’re still going to pay roughly $170k more in taxes.” That is $280K tax starting from 30 years from now, rather than $112K taxes starting from today. All things being equal. I would rather pay $3 taxes 30 years from now rather than $1 tax today, as I am sure inflation will eat up most of its purchasing power (just assume a moderate 4% inflation rate each year).
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If you see higher taxes in the future, then that 15% I used in my calculation would be too low. Also, I didn’t count in SS, income from taxable accounts, deduction you get today that you won’t be getting when you retire. I was trying to build the best case scenario and it doesn’t add up for me.