getting started with investing-- Roth vs Traditional IRA - Mothering Forums

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Old 03-25-2011, 09:47 AM - Thread Starter
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I'm trying to get a hold of our finances.


Dh has an optoin of either a traditional or Roth 401k at work, and we both have the option of Tradtional vs Roth IRA for earned income/spousal income contributions outside of work.



Is there a way (ie, easy formula that I can use) to tell which is better for us? I thought roth's were the hands down winner, but this site disagrees:


I expect that our income tax rate *will* be lower in retirement (as we won't be working, right?)

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Old 03-26-2011, 10:27 AM
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Honestly, there are arguments both ways.


In our household we're split.  DH takes advantage of his 401(k) program at work.  I don't have retirement programs available through my employer since I only work part time, and I'm choosing to save in a ROTH IRA.  So we have both pre-tax and post-tax money going into retirement savings vehicles.  Hopefully it will even out in the end?

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