What's Better Roth or Regular IRA?

💲 NEED FINANCIAL ADVICE? 💲
1) Google "fee-only financial adviser" or visit www.NAPFA.org (largest association of fee-only financial advisers). NOT an affiliate link
2) The first question to ask any financial adviser is, "Are you a fiduciary to me 100% of the time". Get the answer in writing
3) Please note that some people call themselves "fee-based". This is NOT the same as fee-only. Fee-only advisers have committed to being fiduciary to you 100% of the time.
4) Personally, I would only hire an adviser who is a fiduciary to me 100% of the time. This is not a suggestion on what you should do. Just sharing my personal preference.

⚠️ Azul's "Scammer" Warning ➡ PLEASE READ! ⚠️
Be careful of scammers. In the comments section, I will NEVER ask you to contact me, offer any investment products, recommend a stock broker, or anything similar. Some scam bot commenters 'ask' for investment help, and later, other comment bots reply with "how great X idea/investment/person is" in the replies. These are scam threads. Do not fall for them.

🚨 Azul's VIDEOS ARE NOT FINANCIAL ADVICE (Disclaimer) 🚨

The decisions on how to invest, when to retire, and other financial planning topics are some of the most important financial decisions you will make in your life. I urge you to seek professional financial advice as you make this decision. Ideally, from a financial adviser, AND a CPA AND an attorney. Having the perspective of all three professions will help you make the right decision for you and your family.

This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and may NOT be suitable for all investors.

This information is NOT intended to, and should NOT, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, and/or investment advisor before making any investment/tax/estate/financial planning considerations or decisions.

Spoiler Alert: There are no "get rich" programs. Rather, just basic blocking & tackling and putting in time and care. Do your homework, choose wisely and (IMHO) work with experienced professionals who are fiduciary to you 100% of the time.

[Muriel-]

Man, this market is a rollercoaster! I'm trying to figure out if I should throw more money into my Roth IRA or just stick with my regular one.

[piknick]

Start with as much roth when your in lower brackets, switch when you move to upper brackets

[DB-cmfx]

Ok, but as you know tax rates are likely to change, your income is likely to change, etc. In a simple analysis, if you’re in a low tax bracket now (ie young, just starting your career) throw as much as you can afford into a Roth. Regardless, having money in both gives you flexibility down the road.

[wendydvb]

Seems wrong because when you put money in (Roth) you would likely be in a lower tax bracket.

[nmer]

You ended up with $16000 in both instances? Also why are you getting taxed on all $20k when it's only $10k profit. That should be $18k in the first instance?

[davidlowther]

I didn’t know there was a 20% tax bracket. 😮