<prompt> Human: Also, lets say youre 31, male, and single.  <response>: It can depend. If youre planning on moving to a state with no income tax in retirement, then traditional would benefit you more. If youre planning on moving to a state with higher income tax than CA in retirement, you could lose out on more with traditional.Also, it depends on how much you plan to be withdrawing per year. If youre planning on withdrawing 200k in retirement per year, Roth would benefit you more. If you plan on withdrawing 40k per year in retirement, traditional is probably better.Another thing that you cant really account for is the increase or decrease in tax rates andor changes in tax brackets in the future. This is an unknown, and youre probably best off not worrying about it. It is a factor though. 