<prompt> Human: I have always thought it would be a good idea to invest in a Roth retirement plan as opposed to a traditional one provided that you dont make insane amounts of money. However, after reading this, Im starting to reconsider that:The most interesting point the author makes is that the tax break you receive on your deduction occurs at the highest tax rate income reduced from the top down whereas when youre taxed on withdrawals, the money could be taxed in the lower brackets income taxed from the bottom up, thus, saving you money. This seems like a rock solid argument to me, am I missing something though?  <response>: Im a big believer in diversification between Roth and Traditional accounts, especially if you are near the 15 tax bracket. By having money in both buckets you can tailor your income to receive maximum government subsidies such as the affordable care act. 