<prompt> Human: Im single, no children, and I make over 100k annual salary. I have been contributing to a traditional IRA because I assume thats the best option for me. I figure my taxes are much higher now than they will be when I retire.Yet all my friends tell me the Roth IRA is better. Same with the comments in this subreddit.Am I missing something? Why would I want to pay the taxes now, while Im in a high tax bracket, instead of paying them from a lower tax bracket when I draw the money out?  <response>: Traditional is most likely better for you. If your marginal rate is 28 now, youd have to spend over 300,000yr in retirement to start getting taxed more than 28 on average, and barring a tax change.Roths get pushed here because Reddit skews young, early in their career, and college-educated, meaning they have high earning potential. Those factors favor Roths.edit: That being said, if youre in the 25 bracket, having some Roth money might be a good idea in the event of a tax hike, as adle1984 mentions. This is what I do. 