The first rule of IRAs is get any matching possible -- if for example an employer will match, that may be in a traditional IRA - do that first. The advantages of tax free for a Roth are clear enough. But you must use after tax funds where as a traditional IRA lets you save untaxed funds. Keep in mind Congress can change the rules and 30 years is a long time. Personally I did not use Roths until I was retired. GordonAtlanta
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