Rachel Sheedy of Kiplinger.com quotes Joe Franklin, president of Franklin Wealth Management, in an article that highlights how to stretch your retirement savings. Franklin suggests to those who expect their tax rate to jump in future years to consider moving after-tax money into a Roth IRA or Roth 401(k). “Paying taxes now and letting the money grow tax-free tends to be more beneficial than the tax deduction of contributing pre-tax money,” he says.