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If you are in a 28% tax bracket today, and a 15% tax bracket when you retire....the 28% you get from writing money off today going into a 401(k) or Traditional IRA may be a better deal.
A lot of it has to do with the timefram, the type of investments, the performance, and how you structure the disbursements. I am not saying Roth's aren't great, but too often they are labelled as some savior. Also, the 3K you put in that...you may be able to put in a retirement plan with a match depending on your employer.
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