<prompt> Human: Help me decide. The money to fund one of these IRAs will be coming from my side gig. My day job, I fund my 401k to full match and save the rest into a taxable account.My side gig should net me 11k after expenses, self employment taxes. Ill be funding a SEP-IRA with 20 of the net income, but I want to stash the rest of the money into an IRA, but dont know which is best.Im currently in the 25 tax bracket, married with 2 kids. Of course, I want to minimize taxes that I have to pay on the 11k. The way I see it. That 11k taxed is about 9k left over to put in a Roth. Lets say that grows over 30 years to 90k, Ill wont pay any taxes on those earnings. Seems to good to be true that the government wants 2k up front and not worry about the 22k 25 x 90k in 30 years.In a traditional, I can put the full 11k one for me, one for my wife and let it grow to 110k. Then Ill have to pay the 25 tax for 27k, leaving me with 83k. Even at 15 tax which I expect to be in 30 years, Ill pay 16k in tax, leaving me with 94k.Seems like Traditional is the better deal. Ill have more money in the end assuming Im living in 15 tax bracket, and I get to save on taxes up front.Am I looking at this correctly?Assistant: If you plan on moving down tax brackets in retirement, then yes Traditional is the way to go.My day job, I fund my 401k to full match and save the rest into a taxable account.Why are you saving money in a taxable account when you still have space available in your 401k for additional retirement savings?Human: Dont get me started on my 401k plan at work. Its stupid expensive, with an average ER of 1.5 and my company only matches .25 for every dollar. I rather contribute to the max match, and fund my IRAs as much as I can.  <response>: For sure, max your IRAs first, but then even with high Expense Ratios its still better than putting the money in taxable accounts.They may change their plan, you can leave your job. That money isnt stuck in those funds forever. 