User talk:FiveK/Traditional versus Roth

Motivation behind the proposed changes

 * In combination with changes to the "Marginal tax rate" page, reinforce the concept that marginal tax rates on the contribution amount and consequent withdrawal amount are the correct tax rates to use.
 * 1) In addition to pensions and social security payments, withdrawals that will come from existing traditional account balances cause withdrawals coming from new traditional contributions to be taxed at withdrawal marginal tax rates.
 * 2) Some judgment is needed on the amount to use when comparing: too small (e.g., $1) and the non-continuous nature of the tax code causes extreme but short-lived marginal rates; too big (e.g., lifetime earnings) and meaningful options to change direction based on current or future conditions are missed.


 * Deleted some 401k vs. IRA wording to keep this page focused on traditional vs. Roth.

FiveK 15:20, 11 May 2016 (EDT)
 * PM communications to both swimirvine and tfb have been made regarding the referenced spreadsheets. Agreement from tfb that the suggested changes will go on his to-do list.  No response at this time from swimirvine.  It would be relatively simple to modify either or both of their spreadsheets and introduce a new one, but it seems better to let the credit remain with them for the original works if they will handle the modifications.