text:  to those ira accounts but that doesn't mean it's a good idea either and most people just default into well i'm gonna go ahead and put money in this tax deferred account save some money on taxes this year because maybe that's what your accountant told you to do because you're going well hey we can save you some money last year if you make some it's contributions as ira because that you know that's typically how the accountant or the tax preparer i should say