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Reply to "Help! Which plan for retirement..."
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[quote=Anonymous]There are pros and cons to each Roth and regular IRA. Go with Roth -if you think your salary/taxes will be higher in retirement -you want the money available just in case (Roth contributions can be withdrawn at any time with no penalites) -if you want to balance out your risks as far as whether taxes will be higher in retirement or not (assuming your other retirement savings is pre-tax, this balances out your risks) Go with Traditional IRA -if you don't qualify for Roth -if you think taxes will be lower for you in retirement -you think the temptation to withdraw from the Roth will be too great for you.[/quote]
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