<prompt> Human: EDIT:I accidentally included FICA in my marginal tax rate. Because I will not be taxed FICA in retirement, my effective tax rate in retirement must be higher than 31 for a Roth to make sense.Current savings:6 401k 3 employee match maxed4 cash pension from company4.5 HSA maxed out for annual contributionMy car payment will be gone next year and I am considering starting another savings account. Because currently all of my savings are pre-tax, I was thinking about a Roth-style savings vehicle. When I look at my marginal tax rate though, I have a hard time believing that my EFFECTIVE tax rate in retirement will be above 39 EDIT actually 31.For tax diversification and ability to withdraw the principal contributions penalty free, I like the Roth. However, when I really look at the math, it doesnt seem to make sense. Your thoughts?  <response>: 63k income with 39 marginal tax rate.Huh? 