Question: There is a choice between a Roth IRA and a Traditional IRA. Lately there is also expanding offering of Roth retirement plans through employers as

There is a choice between a Roth IRA and a Traditional IRA. Lately there is also expanding offering of Roth retirement plans through employers as well.

What should drive someone's decision as to whether to choose a Roth option or a traditional option? Do you think people make good decisions on these lines? Is offering both alternatives a good idea or does it just make the choices too complex?

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