[quote=FlyerInHi]
That doesn’t make any sense. Any deferment of taxes is worth something and worth doing. Time value of money.[/quote]
Taking a deferment of taxes now is worth doing. I.e a 401K or IRA contribution. A Roth IRA/401K where you don’t get a tax benefit now but potentially get a better tax benefit in the future may or may not be worth doing. It depends if you can count on that future tax benefit. I think the odds are you probably can’t but it is a risk.