<prompt> Human: It is said that a primary benefit of a Roth as opposed to traditional IRA or 401k is that it helps you to save tax money when you withdraw during retirement.However, Im having trouble actually envisioning how it could be possible to have such a high income that it would actually be worth it. I mean, during retirement, one, by definition, wouldnt be working, so what income would one have other than perhaps a little social security? It seem like it would be very much less compared to even ones early-career salary. I guess Im not getting something...  <response>: Im not an expert but the way I understand it is that all of the money you withdraw from your traditional IRA or 401k counts as income, along with social security and any pension funds. Maybe your taxable accounts too? Im not sure on that one. So, basically, you need X per year to spend in retirement and most of that is going to count as income, except money you take out of Roth accounts. So if you can take Y out of Roth accounts then you only owe taxes on X-Y.This is mostly a tax benefit when you are making less money now than you think you will need per year in retirement. I personally like Roth accounts for the flexibility they offer rather than the savings, per se. 