<prompt> Human: So my co-worker was telling me something interesting. Currently, you get taxed when you put money into your Roth, but 30 x years down the road, congress can decide hey, we are going to tax you when you withdrawl from your Roth so in essence you get taxed twice. So he was suggesting to put majority of your in a traditional IRA where you get taxed when you wtihdrawl. i mean they could raise your taxes but you wouldnt have a possibility of getting taxed twice ?What do you guys think?  <response>: I think its a pretty stupid strategy. Will tax rates go up in 30 years - Yes. Will you be in a higher tax bracket when you retire than you are when you begin your career - Yes. Will Congress all the sudden decide to destroy peoples ROTH IRAs? Doubtful. 