<prompt> Human: I recently saw a post on Bogleheads where someone making 250kyear wanted to use a Roth IRA Why would someone making this amount not use a traditional IRA? It seems likely that this person would have a lower income when they start taking money out of the IRA, so why not defer their taxes until then? What am I missing?Assistant: If they are eligible for a 401k at work they cant take advantage of tax deferral of a traditional IRA. They can still take advantage of tax free growth in a Roth IRA by using the backdoor contribution method.Human: Oh got it. I forgot about the deduction limits for a traditional IRA. So basically its a question between Roth IRA vs non-deductible traditional IRA?  <response>: Yeah, and thats basically a win for the backdoor Roth. 