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| That is exactly how it is calculated and then the marigal tax rate recalculated and the difference given back. | |
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Could you explain exactly what the big thing about 3a is?
Okay, I save taxes when I pay in, but then I pay them when I take the money out.
So rather than saving taxes, am I not deferring them?
And seeing we are living in a period that taxes are very low, is it not better to pay them now than to speculatively defer payment to a point in the distant future when taxes may be much higher?