re: This Is What Life Without Retirement Savings Looks Like

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At your age, why a Roth IRA? I understand diversification, but you’re losing major earning potential on those pre-tax dollars going the Roth route.

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When you are young chances are you make less money than you will later in your career. You put in post tax money at lower marginal rates than if you start contributing to a Roth later, and it grows for a longer time tax free.