Week 14: Should I contribute to a traditional or Roth IRA?

When it comes to saving for retirement, few questions spark more confusion than which investment vehicle to choose. Both accounts offer powerful tax advantages—but they work in very different ways. Choosing the right one can impact not just your tax bill today, but also how much flexibility and income you’ll have later in retirement.

The good news? You don’t need to be a financial expert to make a smart choice. In this post, we’ll break down how Traditional and Roth IRAs work, who benefits most from each, and how to align your decision with your income, tax bracket, and future goals.

Let's dive in and help you pick the best fit for your financial future!

Quick Comparison Table:

Of course you can do both — split contributions between the two (if eligible), especially if you're unsure where your future tax rate will land. Adding taxable brokerage investing also adds flexibility to boot.

Want a personalized withdrawal game plan? Let’s talk.