But you will pay taxes on the growth of the account later. Whereas a Roth grows tax free.

Ultimately it depends on what you think you will make in retirement. Both traditional and Roth IRAs are tax advantaged accounts, it just depends on when you want to pay the tax. It also depends on what kind of investments you are doing in those accounts. For something like the S&P 500, you can expect it to grow so a Roth is more tax advantaged than a traditional. However, we also aren’t talking about huge investments either l, so do your own research and see what you want to do.

Compound interest will far outweigh paying taxes now for a Roth. Especially if you also have a 401k, the taxes in retirement will be potentially large based on the growth of the fund over decades. A Roth makes it so you pay nominal taxes now for potential large tax free growth later.

The exception would be if you think your income will decrease in your later working years, in which case a traditional IRA could make more sense. That however is a unique case. Generally it’s better to take advantage of a Roth if you can for tax free gains later.

Check out this channel. He has a lot of good information and also full builds that will fit almost any reasonable budget. He also gives upgrade paths and where you can improve the builds. https://youtube.com/@PCBuilderChannel?si=LFv8SrBzojZIgFAD

The internet is getting shittier because the services themselves are getting worse through consolidation and acquisitions instead of improving products so we need to make laws that protect users and giving them means of keeping those services accountable.

We can only hope