<prompt> Human: With tax rates now lower across the board does choosing a Roth over traditional ira make even more sense now?  <response>: In my opinion, everyone with significant assets needs at least some of their retirement in Roth so that they can change their income to match future tax codes. Its best to get Roth assets when you are at points of low tax rate, for whatever reason. That might be low tax rate, it might be all your income is coming from your trust fund, it might be that you only worked two months this year. 