<prompt> Human: Say youre high income, and are going to max out your IRA contributions one way or the other. Your 401K contributions are limited because as an HCE, you dont want to make your 401K too top-heavy. So your excess retirement savings is going into an individual taxable investment account.So even though the traditional IRA is a better move, dollar-for-dollar, you might still be better off sticking with the Roth IRA, because it lets you put 5500 of after-tax dollars away, whereas with the IRA would only let you put 5500 of pre-tax dollars away. So more of your retirement dollars go into an IRA of some kind, and less are going into the taxable investment account.Does that makes sense or am I missing something?  <response>: Many most? high income earners have this decision made for them. The Traditional IRAs deductibility is phased out anyway when a 401k or similar is available, or the income is high enough the only tax benefit is through a backdoor Roth IRA. 