No. of Recommendations: 3
Like I said, I think that FOR MOST PEOPLE the primary advantage is the forced savings aspect,

Even that might be overstating the benefits a bit.

I think the main utility of a TIRA these days is not as a savings vehicle but as a rollover vehicle. I don't see many people making systematic contributions to their TIRA. I would guess that nationally, probably less than 5% of all adults systematically put money into a TIRA. Probably some site out there that has the data.

Roth might be different (and I see more systematics) - but I also think it caters to a slight different type of investor. My gut hypothesis is that your average Roth investor is more wealthy, has a higher income, and is more educated than your average TIRA investor - and absent any other experience, I would expect it to be the other way around (e.g. lower income use the Roth more).

I think we are currently experiencing the lowest tax rates (as a country) any of us will see if our lifetimes. This leads me to believe that, all else being equal, pay the tax now and avoid the tax later.

As such, I think Roths and especially Roth 401ks are outstanding options - especially with the ability to backdoor Roth contributions for those that can't deduct IRA contributions.
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