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<p>[QUOTE=&quot;GoldFinger1969, post: 2346021, member: 73489&quot;]If I said &quot;everybody should eat fruit&quot; I&#039;m sure you could find someone allergic to apples or oranges.<img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie8" alt=":D" unselectable="on" unselectable="on" />&nbsp; My statement still stands.</p><p><br /></p><p><b><span style="color: #0000ff">Of course there are outliers, as with anything in life.</span></b>&nbsp; But by-and-large, a Roth IRA is probably the best tax-saving and wealth-building and estate-preserving mechanism for the middle class. The one exception would be when someone is making very little in their working years and then expects to make much more in their retirement years.&nbsp; Even then the numbers might work.</p><p><br /></p><p>Conversions can be extremely lucrative, if you work out the tax situation pre- and post-retirement.</p><p><br /></p><p><br /></p><p><br /></p><p><i>Who said to &#039;blindly trust&#039; ?</i>&nbsp; I said it was a great product and rather than say 95% or 99% or 99.9% of investors, I said&nbsp;&nbsp; &#039;everyone.&#039;&nbsp; You&#039;re parsing my words too finely.</p><p><br /></p><p>It goes without saying you ALWAYS have to do your own DD (due dilligence) on ANY investment.[/QUOTE]</p><p><br /></p>

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