Roth IRAs: The Calculation of Consideration

“The only two things you can count on in life are death and taxes,” as Benjamin Franklin eloquently put it. The witty and nearly equally famous retort, “That may be true, but at least death doesn’t get worse every time Congress reconvenes,” was given by an unidentified wag in response.

Let’s begin by stating the obvious, which is that it is difficult to produce and accumulate money when there is a high tax rate. While it is true that everyone should make a fair contribution to the running of the government, even the most patriotic Americans could feel…