I was specifically referencing this part of advice: > No 401k Offered: > Open a traditional IRA or a Roth IRA. The traditional IRA contributes pre-tax money,

I was specifically referencing this part of advice: > No 401k Offered: > Open a traditional IRA or a Roth IRA. The traditional IRA contributes pre-tax money, the Roth IRA post-tax money. The upshot is that if you believe your marginal rate at retirement to be higher than your present rate, you should pick a Roth IRA, otherwise, you should pick a traditional IRA. If you don’t feel like forecasting that, take my word for it that 90% of you should have Roth IRAs. I don't see many people where Roth IRA makes more sense than Traditional yet they say 90% should go Roth. Assume I make 100k and I put in $5500 into traditional... I would have to earn about $8000 to have $5500 to put in my Roth IRA after taxes. Having all those years to grow that "extra" money seems much superior to me even if somehow you amass so much money that you are making more in retirement than during your working life UNLESS you suspect future tax brackets will be much higher. I suspect that is a typo and 90% of folks should choose traditional...