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Roth vs Traditional IRA
Pick the right IRA type
Roth IRAs use after-tax contributions for tax-free withdrawals; Traditional IRAs may be deductible now but taxed later, with eligibility and income limits to consider.
- after-tax
- deductible
- income limits
- withdrawals
- tax planning
Compare Taxes
Roth pays taxes now for tax-free later; Traditional defers taxes until withdrawal.
Eligibility
Check income limits, deduction rules, and access to workplace plans.
Choose Mix
Consider current vs future brackets and flexibility needs.