The real question is why are you contributing to a Roth, and not a traditional?
What is your fed tax rate? If > 15% then traditional is the way to go.
DrFunk, I disagree. This is my opinion and reasoning. The opportunity to pay taxes on the front end in order to be tax free on the back end's exponential growth is worth forgoing a write off now to have no tax liability in the future. A traditional IRA saves tax dollars today to pay unknown tax dollars tomorrow. A ROTH IRA pays known tax dollars today to eliminate unknown taxes tomorrow. I just don't see how you can plan for "retirement" and not control or eliminate as much unknown as you can.
It also sounds like you are planning to have less tax liability when you hit 59.5 then you do now, but you don't know what will happen with the government 10,15, 20, or if you are like me 30+ years from now. Personally I think my income will be higher in "retirement" than it is now and that I will be in a higher tax bracket. I also think the tax rates will be higher both for regular income and for long term capital gains. And I know what my net anticipated return is precisely because I don't have to worry about taxes increasing or making too much money in "retirement".
Don't forget this also eliminates taxes on capital gains. This provides a lot of opportunity once your retirement account has significant cash reserves.
Roth's, in my opinion, are the best retirement vehicle out there. And they are certainly the best one I have found for me.
But let's look at my roth. Among other things. I own 17 apartment units inside my ROTH. Their value is about $725,000. I put down between 1% and 10% on all of them. They are amortized for 15 years or less and my highest interest rate is 3%. They will all be paid off by the time I am 45. My net at that point (with current rent values) will be about $80,000 a year.
$80,000 a year for 15 more years before I can touch it. With a Roth you can do fun things like not worrying about making sure your income is passive. Peer to peer lending. Financing Spec loans for builders. Flipping houses. Owning a portion of a business. I am not limited to keeping my returns passive to minimize taxes because I eliminated taxes on the front end. Taxes on an $80,000 a year draw... even at 15% are WAY higher than taxes on a $5500 a year contribution.
This just seems more mustachian to me. (Not necessarily the $675,000 in debt in my Roth, but the rest of it for sure.) I use the term "retirement" loosely because hopefully as mustachians you will all be retired long before 59 and a half.