Traditional or Roth IRA?
Traditional or Roth IRA?
"Many decide between traditional and Roth contributions by weighing current versus future tax brackets, but that can be a mistake."
Traditional retirement account contributions are excluded from taxable income from 1–2 of your highest marginal tax rates while working.
But in retirement, depending on your unique income sources, those distributions can fill up 1–2 (or more) of your lowest marginal tax rates.
When contributing, it's tax-deferred from the top down.
When distributing, it's taxable from the bottom up.
https://www.cnbc.com/2025/10/07/pretax-vs-roth-401k-contributions.html