<prompt> Human: Im trying to figure out if I should be doing Traditional or Roth. I currently have a 2237; marginal tax rate married filing jointly. So if I contribute to Traditional, I pay zero tax now, correct? Then when I retire and am pulling out say 60Kyear, I would only pay 1237; on that? And if I had any deductions or tax credits, I would have paid absolutely zero tax on some of the money I put into retirement, right? Am I missing something? Thanks.Of course I know tax rates could and likely will change by then but probably somewhat similar.  <response>: Yes. You are absolutely right. This is why traditional is better than Roth for most people. 