 they won't automatically fit into everyone's financial strategy. For me, the largest possible risk is when you dedicate money to a Roth account, whether it's a Roth 401k, Roth IRA, you're anticipating you'll be in a higher tax bracket after retirement. But here's the essential question. What if you don't end up in a higher tax bracket during retirement? So obviously you don't want to pay taxes on your money while the rate is the lowest. And so, for example, if you're currently in a 22% tax bracket,