If you don't have a 401 (k) plan, lean toward a vehicle such as a Roth IRA, where you pay the taxes now, when you are in a lower income bracket, and take the money out tax-free later.

如果你没有一份401 (k)计划，可以用例如roth IRA这样的工具，在这一计划中现在你要税，当你是较低收入阶层的话，取出来的时候算免税。

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Defer taxes for too long and you might miss opportunities to realize income in a lower tax bracket.

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On Monday the president will be with a couple of families who would benefit from a lower tax bracket under his plan.

CNN: Wallace

Bush also adopted a new lower tax bracket for the lowest income workers of 10%, reducing their federal income tax rate by 33%.

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