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Favor the Roth: Tax-Free Growth
The Roth account stands out as a preferred choice for investment due to its tax-free growth potential. While high earners may consider alternative tax structures anticipating a reduction in income tax rates upon retirement, the Roth's benefits make it ideal for most. Additionally, leveraging employer contributions, such as matching or profit-sharing, enhances the value of tax-deferred accounts, providing a significant advantage in retirement planning.