Are Taxes Going To Go Up or Down

Most people should not be using 401ks and IRAs to save for retirement. So what should you be doing? Should you use pretax money and invest in 401ks and IRAs or after tax money and use Roth IRAs and Cash Value Life Insurance? It's actually a very simple matter of just answering two simple questions I call "The Litmus Test". Listen and and find out which way you should be saving for retirement.

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