<prompt> Human: I would like to help my kids kick start their retirement. 22 and 20 years old. 22 is off and running with 50K job but little discretionary income. 20 something is delivering pizzas, going to college and not saving. If I put a little in Roth for each, they wont feel benefit now income tax reduction but will benefit more later. Alternatively, a traditional IRA deposit will help them both now and later. Any thoughts or recommendations?  <response>: Are your retirement accounts fully funded? If not, you should be funding your own retirement before thinking about funding your kids. Your kids have something you dont - time. 