Stepping back in this great thread for a minute...
IF you are thinking of deferred tax investments like an IRA. For me the answer is I never made so risky and likely to fail as I did in my 20's. But I am a chicken and that's no good as a role model for you.
Ask: am I making more income now that I expect to make at retirement age? How would my single tax rate compare if I am married when I use the $$IRA?
consider: Kitty would have done better to pay the taxes while my tax rate was near 0, even if people with a tonnage of $$ advised me to defer taxes. They didn't know what it's like to make it close to the bone and pay nothing or almost nothing in taxes. So getting an advisor who has no angle to take you $$ might be nearly impossible were the grace of God with, so happily, he is.
Happy New Year, Josh,
Kitty and Emma and Raul
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