<prompt> Human: Its commonly said to do a Traditional IRA if you think your tax obligations will be lower in retirement, and Roth IRA if you anticipate paying the same-to-more in tax while in retirement.How should one go about determining that? I guess Im confused on what income I would pay taxes on in retirement that would affect my tax rate besides any Traditional IRA withdraws. My wife makes 90,000 a year, but has been doing matching ROTH 401k contributions, but should we switch this to Traditional contributions? She does have a Roth IRA, but just opened recently with only one years contributions. I myself am not working right now and will never be making anything like she is, so I only have a Roth IRA that I max out every year.Thanks for any input.  <response>: Also, remember that you want a mix, by putting more money in your Roth you also lower your taxable income in retirement since its in a tax free Roth, so Its almost never correct to have full Roth or Full traditional.In an extreme scenario where you had 10037; of your savings in Roth you would no taxable income and would waste all the lower tax brackets in retirement. 