<prompt> Human: I recently got a job working in a call center for a large companys mutual fund department. Ive been learning a lot about finances, and Ive noticed that everyone here seems to be a strong advocate for Roth IRAs. Why Roth over Traditional? The reasoning that I see in most posts is that a Roth is a lot more liquid, and you dont ever have to be taking RMDs. A Traditional is tax deductible though, and if the intention is for retirement, wouldnt you want to be living off of it once you turn 70? Edit: Thanks for all of your answers! That makes a lot of sense!  <response>: If you are young andor expect to be in a higher tax bracket when you begin to withdraw, Roth IRA is recommended. Reasoning is that with Roth IRA you are taxed now, Traditional IRA you are taxed at the time of withdrawal.While upfront taxing makes your initial deposits lower, you dont have to worry about paying taxes on the interest it builds through the years you let it sit. 