<prompt> Human: After reading this article Im questioning my savinginvesting strategy. Here is my current setup:Income: 145kAmount added per account by end of 2018 not showing totals per account: My 401k: 18.5k pre-tax spread evenly over 12 months for company match 2 company match My IRA: 5500 Roth Wife IRA: 5500 Roth Spousal IRA HSA: 6900 Taxable Brokerage: 8000 Savings: 12000 future down payment on houseYears to retirement: 35My question is that after reading this article, it makes a compelling case for not using Roth at all. Now I do think that there is something heshe is missing: From what I understand, some dividends are taxed in a taxable brokerage account, even if you reinvest them. This not taxed in a Roth account. You can get around this by picking stocks with no dividends, but looking at the numbers, this amount is pretty minor at my income level anyways.My goal is a retire well off, so I previously assumed Roth would be key. I was even considering putting my 401k contributions as Roth. This article makes a decent argument for sticking all our Roth IRA contributions into our brokerage instead and ignoring Roth completely. Am I missing something? Is there arguments for increasing Roth like I originally planned?  <response>: Theres some bad argumentation in there mixed with some potentially punishing assumptions, chiefly that taxes will never go up. Income taxes are the lowest theyve been in American history. Full stop. Putting money in a Roth is hedging against tax rates going up, because they will. 