Excerpt: ['W]ould it be better to invest my future savings in after-tax Roth IRA accounts, so I have some savings that will not be taxed when I need them?' The answer: This is a real concern -- but it isn't universal. Most people will avoid any problems because the standard deduction and personal exemptions are indexed to inflation. Only a small number of households accumulate so much in tax-deferred accounts that their annual withdrawals will exceed their basic tax deductions.