<prompt> Human: If Im in the 28 tax bracket and expect my retirement tax bracket to be 25, does it make sense to invest in ROTH account instead of Traditional since I will be able to invest more effective dollars into a tax-advantaged account that will be able to grow tax free?So lets say Im able to save either1 18000 into Roth or 2 18000 into Traditional and approximately 5000 into a brokerage account.Arent there scenarios where with a 25 retirement tax bracket, the Roth account actually comes out ahead?  <response>: If you expect your tax rate to be lower in retirement wait until retirement to pay taxes. Go the traditional tax deferred route.Fun fact: Roth accounts get their name from Senator William Roth who proposed the legislation that created them. As such, only the first letter needs to be capitalized. 