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Subject:  Re: To Roth or not when making very little? Date:  8/11/2011  3:03 PM
Author:  BruceCM Number:  69404 of 88772

If you are single, for tax purposes, you will pay little or no Federal income tax, so you would be better off contributing to a Roth IRA. If, OTOH, you are married filing jointly, you may be better off by making a deductible Traditional IRA contribution if you 1) qualify for the deduction and 2) project you tax rate at retirement will be equal to or greater than your current tax rate.

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