[Shipping up to Boston]

Originally Posted by LeRoySmith

When ROTH came around I wish they'd have explained them a little better/different. It was put to us that your tax situation at the time vs when you withdraw was the primary consideration for traditional vs ROTH. Looking back I wish someone would have asked me if I'd rather pay tax on the seed or the harvest. The tax rate means nothing when you add in years of compound earnings. I'd happily go back and pay tax at the time of earning vs paying it on all these years of growth. Still a pretty sweet deal.

We always yielded to our more knowledgeable elders at the time...institutional knowledge for lack of a better term