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>Roth? Traditional?

You stated that you're attending college. Thus your income is likely fairly low. Therefore, your current tax rate is likely relatively low too. Since, at age 20, you're already investing and considering saving for retirement, it's likely that when you retire you'll being earning more than a college student and paying a higher tax rate, you'll probably be better off putting after tax dollars into a Roth IRA now, to avoid paying higher tax rates when you retire.
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