<prompt> Human: Since getting my first job, I have decided to open a Roth IRA but there is one thing I dont really understand. I have heard that it is advisable to contribute to a Roth IRA when your income is relatively low and you are just starting your career. What is the income level where it would make more sense to switch over to a traditional IRA or 401k?  <response>: I contributed to a Roth when I was young. I figured my income would go up.It did. But I also got married and had kids. I think Im in a lower bracket now than I was bak then. 