Let me answer this question with a story. Not long ago, a lady came up to me at the end of my presentation and said, “Hey Dave, thanks a lot! Now I’m in a really bad mood!” I said, “Why are you in such a bad mood?” She said, “Because I have all my money sitting in the tax-deferred bucket!” So, I said, “Let me see if I understand this correctly. You contributed money to your IRA at a period in time when tax rates were dramatically higher than they are today and you got a deduction at those higher rates for doing so. You now have a four-year period of time during which to take advantage of historically low tax rates so you can get all those assets repositioned to tax-free so that by the time tax rates double over time you’ve done all the heavy lifting and you can then take those assets out tax-free? Is that why you’re in such a bad mood?” She then said, “Well gosh, Dave, I never really thought about it that way!” So, the real question is how is this story going to end for most Americans? I would submit that so long as they take advantage of this period of historically low tax rates that they get to determine how much of their hard-earned retirement savings that they get to spend.