Roth vs. Traditional: How to Think About Taxes Today vs. Taxes Later

Mike Perros

Published on: 18/03/2026

Choosing between Roth and Traditional retirement accounts isn’t about picking a “better” option - it’s about understanding how taxes affect your money today and in the future. The right strategy depends on your current tax rate, expected retirement income, and the flexibility you want down the road. This article breaks down a simple framework to help you think clearly about the tradeoffs and build a plan that balances tax savings now with tax efficiency later.