[Alberta's Child]

The one basic problem with any analysis like yours is that you know your current income tax rates but can only speculate on your future tax rates. This is why some financial advisors will tend to prefer a current tax deduction (especially if you are in a high tax bracket) to a future benefit that may or may not materialize.

[snoringbear]

Well, we all have to speculate about the future. That's the best any of us can do 😊...