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I'm also strongly inclined to get a Roth IRA, even though that means paying income tax on the money. I really like the idea of tax-free growth, but I admit that my desire is fueled more by emotion than reasoning.

I do expect (hope?) to be in a higher tax bracket at retirement than I am now.

I respect the opinions of those on this board, and if there's a really good reason to choose traditional over Roth, I'd love to read it.


having thought about it for years (since i first opened a Roth in '98)

in my *opinion*, the deciding factor is your 2d para.

but it's difficult to answer..
NO telling what tax rates will be
hard to tell what your income will be
( my bracket is far, far lower because most of my income is SS ..which is largely tax-free.. for NOW )

if your current bracket is very low, then higher-at-retirement is more likely...

my 'suggestion' -- roll it all to t-IRA for now, and near year end, do a tax guesstimate for converting all or part to Roth
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