<prompt> Human: So we had a seminar at work last month that was headlined by Suze Orman. She told us that we should all have a Roth IRA. Currently I have a traditional IRA and her suggestion was to change it. Her reason being the tax rate will be higher when I retire and am ready to withdraw the money as opposed to what the tax rate is now. It sounds like that makes sense assuming taxes always go up but is it the right move?I am a super novice when it comes to this stuff so any and all advice is welcomed.  <response>: Suze Orman is famous because she builds an easy to follow path for the large majority of people who dont care about finances. If you are willing to do a little research and educate yourself you can create an individualized plan that would be marginally better than the cookie cutter, suze orman plan. If you arent willing to do the research either hire a pro or do what suze orman says.Roth vs traditional comes down to current tax bracket, state income tax vs where you retire, and projected earnings in retirement. Personally, I save enough pretax that i want to hedge my bet with as much roth as I can afford. 