Ding, ding, ding, we have a winner! This is the big scheme that everyone is falling into. Put all your money in your 401k, IRA's, etc. Keep it there under Govt. rules until you're 59 1/2 and supposedly retire in a lower tax bracket when you retrieve the money. Sure, like we'll ever see a lower tax bracket then we have today. Aint gonna happen, when all the boomers start taking their money you can be sure the socialists will have ratcheted up the tax bracket to well over 50%.
Excellent observation, and I agree. Everyone that can, should convert their IRAs into Roth accounts ASAP. Tax rates are going up, up, up. Just more slowly under most Republicans than the Dems.