[JoelJohnson]

The full tax program may not pass, but, that doesn't mean they can agree on some sort of tax increase. They will not touch the ROTH tax free system, that would be political suicide plus they get the tax money upfront. I'm pretty sure they will take away they hiers to take the inherited IRA/ROTH over their lifetime. They may make it a 5 year withdrawal time frame. That way you will have to tax the money out of the ROTH and invest what you don't need in a taxable account.