This is my first time in the discussion boards, and I am hoping for a little guidence concerning weather I should open a regular or roth ira. I have been messing with the calculators and I am a bit confused. I will likely be having a little trouble making the maximum contribution to an ira for a few years (I am 24 and trying to start another job). My question is: would it be better to start out with a traditional ira, and then change to a roth when I can make the maximum contribution? Or should I just start out with the Roth and be done? It seems to me that if you can't make the max contribution per year, a tradional ira is better. But if you can contrubute enough to make up for the tax, a roth is better. If so, is it even worth it to try and convert later on? Thanks for any help!!!
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