Traditional IRA vs Roth IRA 💰 Most people don’t know this… and it’s costing them MILLIONS over time. Traditional IRA ⏳ • Contributions may be tax-deductible today • Your money grows tax-deferred • You pay taxes later when you retire • Best if you think you’ll be in a lower tax bracket later Roth IRA 🔥 • Contributions are after-tax • Your money grows tax-FREE • You pay ZERO taxes in retirement • Best if you think taxes will be higher in the future Quick rule of thumb 🧠 👉 Lower income now = Ro