<prompt> Human: If a married couple makes 75,000 or less then they have zero longterm capital gains taxes. So where is the tax benefit in keeping their buy and hold investments in a Roth IRA? The only benefit I can think of is their investments wouldnt be considered assets on a childs financial aid applications.It seems it would be much better to take the traditional IRA and even then the only advantages would be shielding from financial aid and the tax deduction. Thoughts?Assistant: Depends on your tax bracket now vs in retirement. Theyll probably be similar at that income level, so Id take the Roth, where I can effectively put away more money. Human: Retirement means not working.Im not sure why Redditors always seem to think theyll have the same or higher earned income when they stop working.  <response>: Long term capital gains still count as income. Earnings distribution inside a roth at retirement does not. 