At the same time, the economy might require higher tax rates in the future. We're benefiting today from the lowest tax rates in American history. This might be the time to pay taxes if you think the economy has no way to survive without higher tax rates in the future. The concept of favorable tax rates on long-term capital gains might disappear. And if you save and invest diligently, you may be able to generate more income than you expect.There is a strong case for believing that the tax you're paying today might be the lowest rates you'll ever pay. Take advantage of that by investing in a Roth IRA. You don't get a tax deduction like you would with a traditional IRA, but you won't need to pay tax on your contributions or your earnings when you withdraw your Roth IRA funds in retirement. There's another assumption inherent in this: that the law surrounding Roth IRAs doesn't change.