The «real - world» bonus here is that those who invest the «same
dollar amount» into a Roth IRA vs traditional will in fact be investing at a
higher level, due to the
higher amount needed to overcome the after - tax
hit.
Because mortgages are such big
dollar amounts — the Mortgage Bankers Association reported the average loan request in March 2017
hit an all - time
high at $ 313,300 — even a fraction of a percentage point can make a big difference in your monthly payment and how much you will spend on your home in the long run.