I really need to start an IRA, as my company does not offer a 401k.

The tax break now sure would be nice (Traditional), not sure if my tax bracket will be higher in 20 years than my current bracket or not. Crystal ball sure would be nice.

I read on kiplinger's that if I invest $4,000/yr in a traditional, I would have the same amount of money available at retirement if I invest $3000 in a Roth after paying the taxes on withdrawal of the traditional.

6 of one half dozen of the other I feel.

My income level may push me into a Traditional anyways.