patrick.net

stfu says

RMD's are a sinister mechanism which means many of us will be paying a higher marginal tax rate at 76 than we did at 56.

Yep, and when the time comes that I have to take RMDs. I will one of those at the high marginal rate. I mostly did the traditional IRA and invested the tax savings because I thought I would have a lower income after retiring and be in a lower tax bracket.

WookieMan says

HSA if she can get one. You can take the money out anytime you want.

I'm got an HSA myself, but it's almost empty because I used the money on various medical things. Also, it's at my local credit union, which does not allow investing or trading in it.

clambo says

Anyone can buy his own HSA; just go to Fidelity.com and buy it.

I suppose my wife could do this, but I think you have to be on a high-deductible health plan (HDHP) in the years you donate to it, and she's not. She gets insurance through the school.

Patrick says

but I think you have to be on a high-deductible health plan (HDHP) in the years you donate to it,

correct