Vanguard Blog
“1. First and foremost is how strongly you feel about your future income tax rates….
2. Second is that you have to recognize that $1 of after-tax wealth is more than $1 of before-tax wealth….
3. A last consideration is how focused you are on spending the money in retirement. A big advantage of a Roth IRA is that you don’t have to take minimum distributions in your lifetime. That means you can keep the money in the “tax-free” wrapper a very long time. This is less of an advantage if you see yourself spending regularly from your IRA in retirement….”
Nice and concise!
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