Normally, I’d agree with you on the income/outflow point, but the sad fact is that the government has been coveting the single largest source of available or assets that can be liquidated - private retirement funds (IRAs, ROTHs, 401Ks and the like).
Expect in the next four years to see an earnest attempt and convincing the public seizing this money is in the best interests of the country and is only ‘fair’ because low lifes don’t have the opportunity to do likewise. They are already holding hearings on this. Look for rules to tighten illegally on a very increasing basis. Look them to take it outright before 2016. Count on it. You’d better liquidate soon, IMHO.
We both have the same concerns about seizure of private retirement funds. Obama is looking for a flimsy excuse to confiscate them in return for a so-called guaranteed rate of return (which will be paltry). The truth is the government justs wants these assets to cover for the monstrous debt so they can keep spending.
I have long since stopped making any IRA contributions. I still make 401k contributions however, mainly because of the employer match. It’s hard to forgo that free money.