They are not unlike a couple of Canadian 30 - somethingearly - retiree - turrned - authors who graced issues of MoneySense before my time here: Dianne Nahirny and Derek Foster.
Contributing to traditional instead of Roth is not something I pictured ever doing while I was in the 15 % bracket, but doing that exact thing is really the correct choice for an earlyretiree assuming existing tax law.