<prompt> Human: Unless I expect ordinary income tax rates to fall below capital gains tax rates far in the future, which is very unlikely, why would I ever want to put money in a Traditional IRA?Isnt it better to just invest in a taxable brokerage account? If you just keep it there for more than one year, you get taxed at the lower capital gains rates and only on the gains of the investments as opposed to the entire withdrawal amount like with the traditional IRA.I understand the appeal of a Roth IRA, but Traditional IRAs make little sense to me  <response>: If you are in a higher tax bracket now, and expect to be in a lower tax bracket during retirement, the traditional IRA is tax advantaged. You can defer paying taxes on those contributions and get taxed less when you ultimately withdraw it. 