This a debate that has been raging ever since the Roth laws were passed. Which one is better? How can you tell?

Well I have a few shortcuts for people to help them decide.

Choose a Roth option if….
You are in your 20s - Your money will be growing for a long time before you use it, by the time you reach retirement you will be paying higher taxes.

You plan on maxing out contributions to retirement - This effectively puts more money in the account because the equivalent amount in a traditional account is more than the max.

You won’t invest the tax savings from a traditional account - If you don’t do this, your tax-deferred account will never offer the same security.

You have a variable income that sometimes is above the Roth IRA limit - For the years

Saving in a Roth vehicle is a no-brainer if you can afford to do so now. In the end it will eliminate variables and stress from your retirement planning.