However, most of the articles I've read seem to suggest Roth is a better option for someone in my circumstances. I'm confused. Can someone please help?I would almost always say that if you qualify for a Roth, fully fund one, after funding a 401K fully to the match point. No match, fund the Roth. I think if you are successful financially, it is not that likely that you tax rate will be lower after retirement. If you think it will be, a traditional IRA may be better. Also, please take into account the recent change in the dividend and capital gains rates and the additional flexibility you might have in a taxable account.rad
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