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Does Retirement Saving Cost, or Pay?
Todd Berghuis for Ascensus 
[Opinion] Mar. 16, 2015
"The annual 'tax cost' estimated by CRS for home mortgage interest deductions is four times the estimated cost in lost revenue as a result of IRA deductions and contributions to employers' retirement plans. Furthermore, citizens who reduce their taxable income via the home mortgage interest deduction do not pay this tax benefit back to the U.S. Treasury at some future time. Contrast this with deductible IRA contributions and pre-tax amounts deferred into 401(k) plans which are eventually taxed when a retiree withdraws them for financial support in retirement. Contrary to the way these retirement benefits are often characterized, they are not a permanent 'cost' to the federal tax revenue stream."
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