If a person is in the 39% tax bracket, doesn't he/she make too much money to take any deduction for a traditional IRA contribution? If so, the Roth makes more sense. If a person is in the 39% federal tax bracket, he/she makes too much money for a Roth too. The phase-out limit (single) for a regular IRA is 42,000 and for a Roth it's 110,000. The federal marginal rates are 31% between 63,550 and 132,600, and 36% between 132,600 and 288,350. I think the original poster was including California state tax (9%?) so possibly would be eligible for a Roth, but you are absolutely right - if there is no deduction anyway, the Roth is a no-brainer.
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