My husband and I currently having W2 income around 600K/year. In retirement, I will have a pension (annual about 100K) and we will both have social security + taxable brokerage, Roth, 401K, and IRA withdrawals. Unless we start buying rental investment properties or work park time in retirement, we should assume our tax bracket will be lower in retirement, right? Right now I am contributing to both an employer 401k with a match, and we are each doing a backdoor Roth IRA. Should I still be doing the backdoor Roth IRA each year? Since I have maxed out the other retirement account it seems at least better than just investing into our taxable brokerage account which does not grow tax free?