Hallie, a 35-year-old influencer, uses her problem solving skill to choose a Roth IRA to save for retirement instead of a traditional IRA. Is this a productive choice of plans for Hallie? Why or why not? It is not productive because she will pay a penalty if she withdraws any contributions to the account before age 5 1/2 It is not productive because the earnings in the account are not tax-deferred. It is productive because her initial contribution to the account is tax deductible. It is productive because she can withdraw her contributions to the account at any time without paying tax on the amount