Roth: There are people who will favor Roth accounts for that reason. But if you do receive money back as a result of putting some of your money into traditional pre-tax accounts, then that lump sum that you get back of that $1,000 or $2,000 invest that money. It's like reinvesting your own dividend. Not really because it was your money all along. If you think about it that way, it's just another, hey, when you get just found money, reinvest it. Exactly. At a conceptual level, it's like reinvested dividends, if not at the literal level.

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