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Should I Contribute to My Roth IRA or Traditional IRA?

Should I Contribute to My Roth IRA or Traditional IRA?

Feb 26, 2026 | Retirement Planning

This 2026 decision guide helps you weigh whether a Roth IRA or Traditional IRA contribution makes more sense based on your current tax bracket, expected future tax rates, eligibility for deductions, and long-term income needs. It walks through key questions like whether you can deduct traditional IRA contributions, whether you expect to be in a higher tax bracket later, and whether tax-free income in retirement would be more valuable to you. The flowchart also highlights strategies like partial Roth conversions in low-income years and using a backdoor Roth when direct Roth contributions aren’t available.

CLICK HERE to download this flowchart.

 

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