Besides considering (1) the current-tax-rate vs. retirement-tax-rate and (2) tax rates are likely to increase, the other major thing to keep in mind is (3) that the government may decide to tax Roth IRA distributions in the future (even though it says it won't now).
Think it won't happen? Social security benefits weren't taxed until 1984.
EDIT: Also, if you're currently raising a family and/or paying for kids' college, it's very plausible and reasonable that you'll be in a lower tax bracket when you retire.
Think it won't happen? Social security benefits weren't taxed until 1984.
EDIT: Also, if you're currently raising a family and/or paying for kids' college, it's very plausible and reasonable that you'll be in a lower tax bracket when you retire.