<prompt> Human: If the US national debt keeps getting worse and were desperate to raise more tax revenue... Am I crazy to imagine a future Congress saying, your Roth IRA is now a standard IRA? The balance would be the same but youd have effectively lost a lot of money -- semi-sneaky, politically palatable way for Congress raise a small amount of revenue.  <response>: Im most definitely concerned about it.Unfortunately, you dont really have a lot of options when it comes to trying to grown your wealth for retirement.The best thing I can think of would be to diversify. Allocate money in a 401k, in a roth, and possibly in another avenue of investment PMs, land ownership, etc. 