Roth IRA vs. Traditional IRA: What’s the Better Choice?

Roth IRA vs. Traditional IRA: Which is the smarter choice for your retirement? In this video, I break down the differences so you can decide. A Traditional IRA offers a tax break now by reducing your taxable income, but you’ll pay taxes on withdrawals later, and required minimum distributions (RMDs) start at age 73. A Roth IRA, on the other hand, taxes your contributions upfront but lets your money grow tax-free, with no RMDs and the freedom to withdraw contributions penalty-free at any time.

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