Rachel, 28, a software engineer, decides to opt for a traditional IRA instead of a Roth IRA for her retirement plan. Her plan includes 75% stock which is high-risk, high-reward. Identify the primary weakness or disadvantage in Rachel's IRA choice. Rachel cannot claim tax deductions on her annual contributions to her traditional IRA. Rachel's withdrawals from her traditional IRA account after retirement will be tax-exempt. Rachel's earnings will grow over time and she'll likely reach a higher marginal tax rate during retirement. With a traditional IRA, she will pay this higher rate on her distributions. Rachel's traditional IRA allows her to withdraw money (contributions) from the account at any time without penalty