The Difference Between a Regular and a Roth IRA

When the Roth IRA first showed up, I said, Oh, you pigfuckers, you are now groping for revenue. Here's what I'll tell you. If you haven't thought about the difference seen marginal and effective tax rate, you've missed the point. The only thing to see in a regular Roth is that the tax rate. You're up in the 39% bracket in many cases. And it's about a 12% difference often.