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Your Macroeconomic Edge by Philip J. Romero

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Chapter 9

Stiffing the Tax Man With Roth IRAs

Note that all dollar amounts quoted in this chapter are only approximate, quite deliberately. First, I am not a tax adviser. You should treat the ideas in this book as educational, but they cannot, by definition, apply to each individual’s specific circumstances. Rely on your accountant, financial planner, or tax preparer for advice on your particular situation. Second, because of inflation, evolving regulations, and Congress’s unquenchable desire to diddle with the tax code (a.k.a. earn campaign contributions from tax lobbyists), specific thresholds change annually. So treat all amounts mentioned in this chapter as rough guides only.

Conventional retirement planning assumes that in retirement workers ...

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