<prompt> Human: Honest Question.Assistant: The government doesnt keep increasing the taxes on it, though.Heres a history of earned income tax rates. Upper brackets went up a bit after this chart ends. The rest stayed the same. Theyve been declining for decades.The last people the government wants to raise tax rates for is retirees; they are the most reliable voters. Human: Still, it doesnt mean they wouldnt do it...Youd be better off just using a savings account  <response>: Better off in what way?Youd have a lot less money. That doesnt sound like better to me. 