 If you're in the 12% tax bracket now, what if the 12% tax bracket becomes the 22% bracket in a few years? Then one of the best ways to minimize that future tax liability, a hedge against future tax increases, that would be contributing to a Roth IRA or converting your pre-tax dollars and your 401k and your traditional IRA into a Roth account. That's going to be something that you do and have to keep,