Many people are leaning towards the idea of a Roth retirement plan, IRA, 401k, etc.... What does "Roth" mean? Should I choose a Roth plan over a traditional plan? Which one is better? There is not a right or wrong answer. It is the idea of taxes now vs. paying taxes in the future. You are guessing what will happen in the future, which is impossible. If you have questions or want to discuss this further,please contact me . Have a great day.