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TrudyKAS, you said:

<<Everyone has a different situation with different goals.

A Roth is always a winner over the long term, but how long is your investment horizon?>>

Always is too strong a word in this instance. :-)

I could construct a number of situations where a Roth is a loser regardless of term. It's really your first sentence that's true. In general, I think for annual contribution purposes a Roth has a far better chance of being the winner. I just am hesitant about saying "always." I'd rather say "generally, normally, usually" and "provided" certain conditions exist, that's true.

<<You should always take advise but act on your own decisions.>>

Always is not too strong here. :-) And I especially agree on the last part of that sentence.

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