Roth IRA vs. Traditional IRA

[Pipe_Dream]

I'm an optimist -- I feel certain that my tax bracket will be higher in 20 years. ;D I'm also a pessimist -- I have no faith in D.C. lawyers and feel certain that tax rates will be significantly higher in 20 years. >:( So I switched contributions to a Roth 4 years ago.

The main thing is that you contribute to something, either one. Waaaay too many folks have nothing socked away for retirement.