The reality is lenloc can only see where his blinders allow. When he can no longer make a reasonable response based on facts, he reverts to stating how Roth is a great investment vehicle. Then he goes overboard and states how it's the only way to invest and makes an arguement he can't support. I've heard no one state the Roth is not a great way to invest. The real reason he brings it up is to change the subject. Surely you all see this!